HomesCalculator.com
Rent vs Buy • DTI • Sharing to Buy

Start with the numbers. Then get a plan that fits you.

Whether you’re renting, buying, sharing a home, or investing in a rental, these simple tools help you see your options in plain English. Then, if you’d like, we’ll follow up with a personal plan for you.

Featured
Rent vs Buy Calculator
Compare total rent paid versus owning over the next few years, including rough equity and ownership costs.
Open calculator
Affordability
Debt-to-Income Check
Enter your income and monthly payments to estimate your DTI and see how close you are to common loan guidelines.
Check my DTI

Explore the calculators

Use these tools on your own, or use them to start a conversation so we can help build a plan around your real numbers.

Rent vs Buy
Rent vs Buy Calculator
See how renting compares to buying over time, with simple assumptions you can adjust.
Try rent vs buy
DTI
Existing DTI Checker
Estimate your current debt-to-income ratio using your income and monthly obligations.
Check my DTI
Income
Variable Income DTI Helper
See how commission, bonuses or overtime might count toward a loan under common guidelines.
Use variable-income tool
Sharing to Buy
Sharing to Buy Calculator
Explore how co-buying with a partner or sharer could help you afford a home sooner.
Explore sharing to buy
Investing
Rental Property ROI
Estimate cash flow and return on a rental property with simple, adjustable assumptions.
Check rental ROI
Renovation
Renovation Profit / Rent vs Sell
Compare keeping, renting or selling a home after repairs or updates.
Run renovation numbers

Learn about loan types

Not sure whether FHA, VA, USDA or a conventional loan might fit you best? Start with a quick overview, then ask questions.

First-time & low down
FHA Loans
Understand basic FHA loan rules, down payments, mortgage insurance, and when FHA can be a good fit.
Learn about FHA
Military & veterans
VA Loans
Learn how VA loans work for eligible veterans and service members, with no down payment in many cases.
Learn about VA
Rural / small-town
USDA Loans
See how USDA loans can help in eligible areas, often with zero down payment.
Learn about USDA
Most common
Conventional & Jumbo Loans
Understand conventional and jumbo loan basics, including credit, down payment and when they may be best.
See all loan types

Want a personal plan from your numbers?

After you try a calculator, you can share your results and a way to reach you. We’ll review things with you and talk through options – with no pressure and no obligation.

This is educational and for planning only. It is not a loan application and does not pull your credit.