Know the real cost of buying a home — before you make an offer.
Free, fast calculators for buyers in the United States, the United Kingdom and Canada. No sign-up, no email, and nothing leaves your browser.
Calculate my mortgage payment How much can I afford?Calculators
US · UK · CanadaMortgage CalculatorMonthly payment with property tax, insurance, PMI and HOA, plus an amortization schedule and extra-payment savings.
US · UK · CanadaHow Much House Can I Afford?Your maximum price from income, debts and down payment using the 28/36 rule, FHA, Canada's stress test or UK income multiples.
Any countryRent vs Buy CalculatorCompare net worth from renting and investing versus buying, and find the year buying breaks even.
England & NIStamp Duty Calculator 2026SDLT for first-time buyers, home movers and second homes, with the 5% and 2% surcharges, band by band.
Ontario · Toronto · BCLand Transfer Tax CalculatorProvincial and Toronto municipal tax with first-time buyer rebates, including Toronto's April 2026 luxury tiers.
Any countryMoving Cost CalculatorAn itemized moving budget for hiring movers or renting a truck — labour, fuel, boxes, storage and tips.
Why use HomeMathly?
Buying a home is the biggest purchase most people ever make, yet the true cost is often hidden behind a single advertised price or interest rate. Our calculators show the whole picture: the full monthly payment including taxes and insurance, the one-off taxes due at closing, and whether owning actually beats renting for your situation.
- Built for three markets. Each calculator understands local rules — US PMI and the 28/36 rule, UK stamp duty bands and income multiples, and Canada's semi-annual compounding, stress test and land transfer taxes.
- Private by design. All calculations run on your device. We don't ask for your email and we never see the numbers you enter.
- Explained, not just calculated. Every tool comes with a plain-English guide to the formula, worked examples and answers to common questions.
- Kept current. Tax rates are checked against official government sources and each page shows when it was last reviewed.
Guides for home buyers
GuideClosing costs explainedEvery fee and tax due when you buy a home in the US, UK and Canada — and how much cash to set aside.
GuideThe 28/36 ruleHow lenders use debt-to-income ratios to decide your budget, with examples and alternatives.
Where to start
- Set your budget with the affordability calculator.
- Decide whether to buy using the rent vs buy calculator and the number of years you expect to stay.
- Price the purchase taxes — stamp duty in England and Northern Ireland or land transfer tax in Ontario, Toronto and BC.
- Check the monthly payment on a specific home with the mortgage calculator.
- Plan moving day with the moving cost calculator.
Our calculators provide estimates for education and planning. They are not financial, tax or legal advice. Confirm figures with your lender, solicitor, lawyer or notary before committing to a purchase.