Tools
See the numbers before someone asks for your contact information.
Each tool will show assumptions, formulas, limitations, examples, and a meaningful preliminary result before offering a detailed review.
Before you talk to anyone
Run the numbers first. Every calculator here shows its work — no email required to see the result.
Find a tool
Search all 25 calculators.
Start here
The four tools most people need first.
Seller Net Proceeds Calculator
What may I net after selling?
Calculate My Net ProceedsRelated guide: Pricing and Market Exposure →Sell Versus Hold Calculator
Should I sell now or hold this property as a rental?
Compare Sell Versus HoldRelated guide: Hold, Improve, Refinance, or Sell? →Or find a tool by question
What are you actually trying to answer?
The same tools as above, organized by the question they answer instead of who's asking.
Seller tools
For owner-occupied sellers deciding what to net and how to plan the sale.
Buyer Tools
Choose a calculator by the decision in front of you. Start with your payment and budget, then compare financing, plan a move or analyze an investment purchase.
Monthly payment & budget
Financing options
Conventional vs. FHA vs. VA Loan Comparison
Compare conventional, FHA and eligible VA financing, payments and cash needed.
Open tool →15-Year vs. 30-Year Mortgage Calculator
Compare monthly payments, interest costs and equity across loan terms.
Open tool →Fixed vs. Adjustable-Rate Mortgage Calculator
Compare fixed and adjustable rates over your expected time in the home.
Open tool →Permanent Mortgage Rate Buydown Calculator
Check whether paying points to lower your rate pays off before you sell or refinance.
Open tool →Temporary Buydown vs. Price Reduction Calculator
Compare a seller-funded temporary buydown with a lower purchase price.
Open tool →Mortgage Rate Center
Explore published reference rates, payment changes, buying power and buying now versus waiting.
Open tool →HELOC vs. Cash-Out Refinance Calculator
For buyers who already own a home: compare accessing equity for a down payment or project.
Open tool →
Choosing a home & making an offer
Buyer Offer Strategy Simulator
Compare offer structures, seller credits and buydowns for payment and cash to close.
Open tool →Utah Property Match
Find Utah areas and property types that fit your budget, lifestyle and priorities.
Open tool →Utah Neighborhood Explorer
Explore Utah neighborhoods, commute fit, housing types and rental potential.
Open tool →
Buying while selling
Seller Net Proceeds Calculator
Estimate proceeds from your current home to help plan a replacement-home purchase.
Open tool →Sell Versus Hold Calculator
If buying another home, compare selling your current property with keeping it as a rental.
Open tool →Stay vs. Move Calculator
Compare keeping your current home with the cost of selling and buying another.
Open tool →Move-Up Calculator
Compare payments and equity when buying a larger or more expensive home.
Open tool →Downsizing Calculator
Estimate the payment change and cash retained when buying a smaller home.
Open tool →Sell, Rent, Keep, or Renovate Calculator
Before a replacement-home purchase, compare selling, renting, keeping or renovating your current home.
Open tool →Move-Up Home Planner
Compare selling first, buying first and financing the transition.
Open tool →
House hacking & investment purchases
Rental Property Quick Screen
Screen a potential rental purchase before doing detailed analysis.
Open tool →Rental Property Analyzer
Analyze a rental purchase for cash flow, expenses, financing and returns.
Open tool →House-Hack Net Housing Cost Calculator
Estimate your net housing cost when you live in one unit and rent out the others.
Open tool →Utah Detached ADU Property Checker
Screen a Utah property you may buy for detached ADU potential; confirm permits and local requirements.
Open tool →ADU Cost, Financing & Cash Flow Calculator
Model the cost, financing and cash flow of adding an ADU to a property you may buy.
Open tool →DSCR Qualification Calculator
Check whether a prospective rental property supports financing based on its income.
Open tool →
Finance tools
For comparing loan structures — rate, points, credits, terms, and buydowns.
Investor tools
For landlords, investors, and multifamily owners underwriting a hold-or-sell decision.
Help choosing a tool
Not sure which calculator fits your situation?
If you’re selling, start with Seller Net Proceeds. If you’re deciding between selling and holding a property, start with Sell Versus Rent. If you’re buying or refinancing, start with Mortgage Affordability. If you own or are underwriting a rental or multifamily property, start with the Rental Property Analyzer. Still not sure — answer five short questions instead.
Utah market
These calculators use the numbers you enter, not a Utah-specific formula — but where you buy or sell in Utah still shapes the inputs. See Utah-specific market guidance for the regional context behind the numbers.
Author: Todd McClean, Realtor® | Real Estate Investment Strategist, CENTURY 21 Everest Realty Group. Reviewed July 25, 2026. This page provides general real estate information and is not legal, tax, accounting, lending, securities, commodities, or financial-planning advice.