Free Home BuyingCalculators
Understand affordability, estimate payments, and prepare for your purchase. All tools are free with no signup required.
Calculators show what you can afford. Not what you should offer.
You can calculate your $450K budget all day. But that doesn't tell you whether a $435K listing is overpriced by $30K or underpriced by $15K.
Get Offer Strategy - $9Home Affordability
How much house can you afford based on income, debts, and down payment
Mortgage Payment
Estimate monthly payments including taxes, insurance, and PMI
Credit Score Impact
See how your score affects interest rate and total cost over 30 years
Down Payment
Calculate how much to save and how it affects your loan
Closing Costs
Estimate lender fees, title charges, taxes, and prepaid expenses
Solar Panel Homes
True cost of buying a home with solar including age, maintenance, and roof risks
Land Development
Calculate well, septic, electric, road access, and site prep costs
The Calculator Problem
Every buyer uses calculators. Most still overpay by $15,000–$50,000.
What Calculators Tell You
- • Your maximum budget: $450,000
- • Monthly payment: $3,200
- • Down payment needed: $90,000
- • Closing costs: ~$13,500
What You Actually Need
- • Is this $435K listing overpriced?
- • What are comparable sales?
- • What should I actually offer?
- • How do I negotiate without overpaying?
OfferGuide Bridges The Gap
Use calculators to understand your budget. Then get a data-driven offer analysis with comparable sales, market insights, and negotiation strategy.
Get Offer Strategy - $9FAQ
Are these calculators really free?
Yes — every calculator on OfferGuide is 100% free with no signup required.
How accurate are the estimates?
They use industry-standard formulas such as amortization math, PMI rules, and the 28/36 affordability ratios.
Do I need an account?
Not to use the calculators. An account is only required if you want personalized AI-generated offer strategies.
Can these calculators help me make an offer?
Yes — they give you the financial foundation needed for a smart offer plan.
Are the calculators mobile friendly?
Yes, all calculators are fully responsive and optimized for phones and tablets.
Ready for the next step?
Calculators give you the budget. OfferGuide gives you the strategy.
Get Started Free