Free Calculators for
Expensive Home Decisions
HomeownerMath gives you honest, transparent estimates for mortgages, home equity, roof replacement, solar payback, and more. No sales pitch. No signup. Just the math.
Why HomeownerMath?
Why I Built This
I got tired of salespeople giving me estimates that conveniently favored their product. When I was refinancing, every lender's "break-even" calculation was different. When I got roof quotes, three contractors gave me numbers $8,000 apart with no explanation.
I built HomeownerMath because I wanted a calculator that shows its work. Every result includes the assumptions, the formula, and the limitations. No hidden agenda. No upsell. Just the math.
If you find it useful, I'd love your upvote on Product Hunt. It helps more homeowners discover honest tools.
Frequently Asked Questions
Is HomeownerMath really free?
Yes. Every calculator is free to use with no signup, no email required, and no paywall. We may add affiliate links to relevant products in the future, but the calculators themselves will always be free.
How accurate are the estimates?
Our calculators use standard financial formulas and show all assumptions. They're designed to give you a realistic ballpark — not a guaranteed quote. Always verify with professionals before making major decisions.
Can I share a calculation?
Yes. Every calculator generates a shareable URL with your inputs encoded. Send it to your spouse, your lender, or your contractor.
Do you store my data?
No. All calculations happen in your browser. We don't store calculator inputs, results, or any personal information.
What calculators are you adding next?
We're working on closing cost estimators, HVAC replacement cost calculators, and kitchen remodel budget tools. Have a suggestion? Email us at [email protected].