16 Home & Auto Tools

Free Home & Auto Calculator

Home affordability, car loans, EV savings, roofing, paint, concrete, and more. Plan your biggest purchases with confidence.

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Home Affordability Calculator

How much house can you afford?

Featured

Income & Debts

Your monthly income and existing obligations

Annual IncomeYour total annual gross income before taxes. For dual-income households, include both incomes. Lenders use this to determine your maximum mortgage payment (typically 28% of gross monthly income).

Monthly DebtsTotal minimum monthly payments on all existing debts — car loans, student loans, credit cards, personal loans, etc. Lenders prefer total debt payments (including the new mortgage) stay under 36% of gross monthly income.

Loan Details

Mortgage terms and home expenses

Down PaymentCash you have saved for the home purchase. 20% down avoids PMI (Private Mortgage Insurance). First-time buyer programs may allow 3-5% down.

Interest RateCurrent mortgage interest rate. Shop around with multiple lenders — even a 0.25% difference saves thousands over the life of the loan.

Loan Term30-year fixed is the most common (lower payments). 15-year fixed saves significantly on interest but has higher monthly payments. Adjustable-rate (ARM) starts lower but can increase.

years

Property Tax RateAnnual property tax as a percentage of home value. Check local county rates — this varies from under 0.5% to over 2% depending on location.

%/yr

Home InsuranceMonthly homeowner's insurance cost. Typically $1,000-$3,000/year ($83-$250/mo). Lenders require you to carry insurance to protect their collateral.

$/mo

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Detailed Breakdowns

Home Calculators

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Rent vs Buy Calculator

Should you rent or buy? Find out which is better.

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Home Affordability

How much house can you afford?

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Square Footage Calculator

Calculate area for rooms, yards, and more.

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PopularNew

Solar Savings Calculator

Estimate your solar panel savings, payback period, and ROI based on your location, electricity usage, and roof size.

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PopularNew

Roofing Calculator

Calculate roofing materials, squares, and cost for gable, hip, and flat roof types.

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PopularNew

Concrete Calculator

Calculate how much concrete you need for slabs, footings, columns, and steps in cubic yards or meters.

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PopularNew

Paint Calculator

Estimate how much paint you need for any room. Calculate gallons and liters based on room dimensions, doors, windows, and number of coats.

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PopularNew

House Paint Calculator

Full house interior and exterior paint estimator. Calculate paint needed, DIY vs professional cost, and breakdown by section for any home size.

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Bedroom Paint Calculator

Specialized paint estimator for bedrooms with room type suggestions, color scheme recommendations, and closet deductions.

Auto Calculators

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Car Loan Calculator

Calculate monthly car payment and total cost.

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Gas Mileage Calculator

Calculate your vehicle's fuel efficiency.

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Car Depreciation Calculator

See how much your car will be worth over time.

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Popular

EV Savings Calculator

Calculate how much you can save by switching to an electric vehicle. Compare gas vs EV fuel costs, maintenance savings, tax credits, CO2 emissions reduction, and break-even time with our comprehensive side-by-side EV savings calculator.

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Tire Size Calculator

Compare tire sizes, calculate diameter, sidewall height, speedometer error, and find equivalent tires.

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PopularNew

Fuel Cost Calculator

Calculate trip fuel costs based on distance, fuel efficiency (MPG), and gas price. See cost per mile, round trip cost, and commute estimates.

Construction Calculators

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PopularNew

Tile Calculator

Calculate how many tiles you need for any room including waste factor, total cost, and number of boxes. Supports any tile size and room dimensions.

Plan Your Biggest Purchases

Use the Home Affordability Calculator above to find out how much house you can afford, or explore all 16 home and auto tools.

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