Free Home Buying Calculators
Make informed decisions with our suite of free calculators. Understand affordability, estimate payments, and prepare competitive offers with confidence.
Calculators Tell You What You Can Afford. Not What You Should Offer.
You can calculate your $450,000 budget all day. But that doesn't tell you whether a $435,000 listing is overpriced by $30,000 or underpriced by $15,000.
Most buyers use calculators to plan their budget, then make emotional offers without market data. They know their monthly payment. They don't know if they're overpaying $20,000-$50,000.
Get Data-Driven Offer Strategy - Only $9 →✓ Comparable sales analysis ✓ AI-powered recommendations ✓ Stop overpaying
Home Affordability Calculator
Discover how much house you can afford based on income, debts, and down payment.
Mortgage Payment Calculator
Estimate your monthly mortgage payment including taxes, insurance, and more.
Credit Score Impact Calculator
See exactly how your credit score affects your interest rate, monthly payment, and total cost over 30 years.
Down Payment Calculator
Determine how much you need to save and see how down payment affects your loan.
Closing Costs Calculator
Estimate lender fees, title charges, taxes, and prepaid expenses.
Solar Panel Home Calculator
Calculate the true cost of buying a home with solar panels. Factors in system age, maintenance, and roof risks.
Land Development Cost Calculator
Calculate the true cost of developing raw land including well, septic, electric, road access, and site prep.
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 to Know
- • 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 our calculators to understand your budget. Then get a data-driven offer analysis with comparable sales, market insights, and negotiation strategy - all for just $9.
Get Your Offer Strategy - $9 →Used by 500+ buyers • Average savings: $28,000
Frequently Asked Questions
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 to Make Your Best Offer?
Use our calculators to understand the numbers, then let OfferGuide generate your winning offer strategy.
Get Started Free →