Free homeowner calculators

Homeowner Math Made Simple

Make expensive home decisions with more confidence. Homeowner Math gives you simple, easy-to-use calculators for refinancing, extra mortgage payments, roof replacement, solar payback, home equity comparisons, and other major costs of owning a home.

Browse Calculators Start With Mortgage Math

Calculator Categories

Mortgage Math

Refinance, payoff, extra payments, closing costs.

Home Equity Math

HELOCs, home equity loans, cash-out refinance comparisons.

Repair Math

Roofing, flooring, painting, concrete, fencing, remodel estimates.

Energy Math

Solar payback, EV charging, heat pumps, insulation savings.

Featured Calculators

Extra Mortgage Payment Calculator

Estimate how much interest you could save by paying extra on your mortgage each month.

Mortgage Math

Mortgage Refinance Break-Even Calculator

See if refinancing could save you money based on your current loan, new rate, and closing costs.

Mortgage Math

HELOC vs Cash-Out Refinance Calculator

Compare a HELOC versus a cash-out refinance to see which may cost less.

Home Equity Math

Roof Replacement Cost Calculator

Estimate the cost to replace your roof based on size, pitch, material, and location.

Repair Math

Solar Panel Payback Calculator

Estimate how long until solar panels pay for themselves, including incentives and financing.

Energy Math

Built for Estimates, Not Hype

Every calculator shows assumptions, formulas, and limitations so you can understand the math behind the result. We don't sell loans, roofs, or solar panels — we just help you estimate before you talk to someone who does.