RetireCoast Calculator Hub

Free tools for retirement planning, home buying, real-estate investing, vacation rentals, and small business income. Choose a calculator below to run the numbers before you make important decisions.

Updated regularly as new calculators are released.

Real Estate Calculators

Tools to help you evaluate home purchases, mortgages, affordability, and financing decisions.

Home Affordability Calculator – Estimate a comfortable purchase price
Full Mortgage Calculator – Calculate payment with taxes, insurance & HOA
Mortgage Payoff Calculator – See how extra payments reduce interest and payoff time
Mortgage Score Impact Calculator – Estimate how changes in credit score affect mortgage rates (NEW)
Rent vs Buy Calculator – Compare long-term cost, equity, and net benefit
Down Payment Savings Time Calculator – See how long it may take to reach your down payment goal

Business & Income Calculators

Tools for evaluating income-producing assets, investment properties, and small business or part-time work income.

Rental Property Cash Flow Calculator – Analyze rental income, expenses, and net cash flow
Cap Rate Calculator – Calculate capitalization rate from net operating income and purchase price
DSCR Calculator – Debt Service Coverage Ratio for lenders and investors
Part-Time Work in Retirement Income Calculator – See how work income affects your retirement plan

Vacation Rental Calculators (NEW)

Tools designed specifically for short-term and vacation rental income, NOI, and ROI analysis.

Vacation Rental Income & NOI Calculator – Estimate gross income, operating expenses, and net operating income (NEW)
Compare ROI for Three Vacation Rentals – Side-by-side comparison of income, expenses, and returns for three properties (NEW)

Home Finance & Retirement Calculators

Tools to forecast retirement income, tax strategies, healthcare costs, and the long-term effects of inflation.

Retirement Income From Savings Calculator – Test long-term withdrawal sustainability and target monthly income
Social Security Break-Even Calculator – Compare claiming early vs waiting and find the break-even age
Social Security Claiming Age Optimizer – Explore the best age to begin receiving benefits
Tax-Free Retirement Withdrawal Calculator – Model tax-free drawdowns and withdrawal strategies
Roth Conversion Break-Even Calculator – Evaluate whether converting to a Roth may pay off over time
Annuity vs DIY Investment Income Comparison – Compare guaranteed income vs investing it yourself
Inflation Effect on Retirement Savings Calculator – See how inflation erodes purchasing power over time
Retirement Healthcare Cost Forecast Calculator – Estimate future medical and healthcare expenses
Long-Term Cost to Insure / Long-Term Care Calculator – Compare self-pay risk vs insurance over many years

Homeownership & Moving Calculators

Tools for planning the real costs of owning a home and relocating to a new city or state.

Home Maintenance Budget Calculator – Estimate annual and long-term home maintenance costs (NEW)
Relocation Budget Calculator – Plan moving expenses, deposits, storage, and travel costs (NEW)

These calculators are part of your journey to a better financial future.

They are designed to work alongside our in-depth articles on home buying, real estate investing, retirement planning, taxes, insurance, and starting a business.

Be sure to sign up to receive notices of new articles and periodic updates when we add or improve tools in the RetireCoast Calculator Hub.