Buyers
Mortgage Payment Calculator
Show buyers the full monthly payment, not just principal and interest: taxes, insurance, PMI and HOA are included, with a yearly amortization schedule in the PDF.
Free Realtor toolkit · No sign-up required
Free Real Estate Tools Built for Realtors
Twelve calculators and marketing tools agents reach for every week: mortgage and affordability, seller net sheets, commission splits, investor returns, listing descriptions and print-ready flyers. Branded PDF reports, nothing to install.
- 100% free
- No account needed
- Private: runs in your browser
- Branded PDF exports
- Free tools
- 12
- Flyer formats
- 5
- Client-ready reports
- Data sent to servers
- 0
The toolkit
Every number your clients ask about, answered in seconds
Pick a tool to open it in the workspace. Results update as you type, and every calculator exports a branded PDF you can send straight to a client.
Marketing · New
Flyer Studio
Design a print-ready listing flyer or social post in minutes. Three templates, five formats, your photos, headshot, brokerage logo and a QR code, exported as PDF, PNG or JPG.
Open Flyer StudioBuyers
Mortgage Payment Calculator
Full PITI payment with PMI, HOA and a yearly amortization schedule you can export.
Open toolBuyers
Home Affordability Calculator
Turn income and debts into a conservative, standard and stretch price range using DTI guidelines.
Open toolBuyers
Buyer Closing Cost Calculator
Estimate lender fees, title, prepaids and reserves, and the total cash your buyer needs to close.
Open toolBuyers
Rent vs. Buy Calculator
Compare net worth from renting and buying year by year and find the break-even point.
Open toolSellers
Seller Net Sheet Calculator
Itemize payoffs, commissions, title, transfer taxes and credits to show sellers what they walk away with.
Open toolSellers
Price per Sq Ft & Comp Analyzer
Enter sold comps to get median price per square foot and a suggested list-price range.
Open toolInvestors
Rental Property ROI & Cap Rate
Cash flow, NOI, cap rate, cash-on-cash return, DSCR and the 1% rule for any rental.
Open toolInvestors
Fix & Flip Profit Calculator
Size a flip with the 70% rule, financing and holding costs, net profit and annualized ROI.
Open toolAgent business
Commission Split Calculator
See take-home pay after referral fees, franchise fees, brokerage split and caps.
Open toolAgent business
GCI & Income Goal Planner
Work backward from an income goal to the closings, appointments and leads you need.
Open toolMarketing
Listing Description Writer
Generate an MLS-ready description and social caption with hashtags from the home’s features.
Open toolNo tools match that search. Try “mortgage”, “net sheet” or “commission”.
Workspace
Run the numbers with your client
Everything calculates live in your browser. Adjust the essentials up front and open “More assumptions” only when a deal needs it.
Personalize your PDF reportsOptional · saved on this device
Buyers
Home Affordability Calculator
Turn a buyer’s income and monthly debts into a realistic price range before the first showing, using the same debt-to-income ratios lenders apply.
Buyers
Buyer Closing Cost Calculator
Estimate the buyer’s closing costs and total cash to close, including prepaid interest, escrow reserves, seller credits and earnest money.
Buyers
Rent vs. Buy Calculator
Help renters decide with a fair comparison: both paths spend the same cash each month, and the calculator finds the year buying pulls ahead.
Sellers
Seller Net Sheet Calculator
Answer the first question at every listing appointment. Itemize payoffs, commissions, title fees, transfer taxes, concessions and repairs to estimate the seller’s net.
Sellers
Price per Sq Ft & Comp Analyzer
Enter recent sold comparables to find the median price per square foot and a suggested value range for the subject property.
Investors
Rental Property ROI & Cap Rate
Analyze a rental the way investors do: cash flow, net operating income, cap rate, cash-on-cash return, DSCR and the 1% rule.
Investors
Fix & Flip Profit Calculator
Check a flip against the 70% rule, then total every cost (financing, holding, buying and selling) for true net profit and ROI.
Agent business
Commission Split Calculator
See exactly what you take home from a closing after referral fees, franchise fees, your brokerage split, any remaining cap and transaction fees.
Agent business
GCI & Income Goal Planner
Work backward from the income you want to the closings, contracts, appointments and leads you need each year, month and week.
Marketing
Listing Description Writer
Write an MLS-ready description and a social caption with hashtags from the home’s features, in the tone that fits the listing.
Flyer Studio
Print-ready listing flyers, designed in minutes
Choose a template, add your photos and branding, and export a flyer for print, Instagram, Stories or email. Your photos never leave your device.
Template
Color theme
Format
Pick the size from the bar above the preview. Print flyers export at US Letter size; social formats export at the exact pixel size each platform expects.
Or type text such as “Call for price”.
Tip: the Listing Description Writer can draft this for you.
Optional. Adds a scannable QR code to the agent bar.
Listing photos 0 / 5
The first photo is the cover. Wide exterior shots work best; extra photos fill the gallery on print, Story and Editorial layouts.
Headshot
Brokerage logo
How it works
From first question to client-ready report
Pick the right tool
Filter by buyers, sellers, investors, your own business or marketing, or search by name. Every tool opens in the same workspace.
Enter the numbers
Results update as you type. Sensible defaults get you started, and advanced assumptions stay tucked away until a deal needs them.
Share with confidence
Download a branded PDF, copy a summary into a text or email, or send a link that reopens the tool with your exact numbers.
Private by designCalculations run in your browser. Nothing is stored on our servers.
Branded PDFsAdd your name, brokerage and client once; every report uses them.
Built for showingsLarge touch targets and number keypads on phones and tablets.
Shareable linksEvery calculator creates a link that restores your inputs.
Formulas & methodology
How each real estate calculator works
Transparent math you can explain to a client. Every estimate uses standard industry formulas; local taxes, fees and lender terms will vary.
Mortgage payment (PITI)
The monthly payment combines principal and interest with property taxes, homeowners insurance, private mortgage insurance (PMI) when the down payment is under 20%, and HOA dues. Principal and interest come from the standard amortization formula, so each month a little more of the payment goes to principal.
M = P × r(1 + r)^n ÷ ((1 + r)^n − 1) where P = loan amount, r = annual rate ÷ 12, n = months
Open the calculator
Home affordability (DTI)
Lenders compare housing costs (the front-end ratio) and total monthly debt (the back-end ratio) with gross monthly income. The calculator searches for the highest price where the full payment, including taxes, insurance and PMI, fits under both limits, then shows conservative, standard and stretch levels.
Max housing payment = min(income × 28%, income × 36% − monthly debts)
Open the calculator
Closing costs and cash to close
Buyer closing costs include lender and origination fees, title insurance and escrow, appraisal and inspection, recording fees, prepaid interest, the first-year insurance premium and escrow reserves. Cash to close adds the down payment and subtracts seller credits; earnest money already deposited is credited at the table.
Cash to close = down payment + closing costs − seller credits
Open the calculator
Rent vs. buy
Both paths spend the same cash each month. The renter invests the down payment and closing costs, and whichever option is cheaper each month invests the difference at your chosen return. The break-even year is when the buyer’s equity, after selling costs, overtakes the renter’s portfolio.
Buyer net worth = home value × (1 − selling costs) − loan balance + invested savings
Open the calculator
Seller net sheet
Net proceeds start with the sale price and subtract every payoff and cost: mortgage and HELOC balances, listing and buyer-agent compensation, title and settlement fees, transfer or deed taxes, prorated property taxes, HOA fees, concessions and repairs.
Net proceeds = sale price − loan payoffs − commissions − closing costs − credits
Open the calculator
Price per square foot
Dividing each sold comparable’s price by its living area normalizes homes of different sizes. The median resists outliers better than the average, and the 25th to 75th percentile gives a realistic pricing band before you adjust for condition, lot and upgrades.
Value ≈ subject sq ft × median $/sq ft × (1 + condition adjustment)
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Cap rate and cash-on-cash return
Net operating income (NOI) is rent after vacancy minus operating expenses such as taxes, insurance, management, maintenance and capital reserves, before the mortgage. Cap rate measures the property itself; cash-on-cash return measures what you earn on the cash you actually put in.
Cap rate = NOI ÷ price · Cash-on-cash = annual cash flow ÷ cash invested · DSCR = NOI ÷ debt service
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Fix and flip (70% rule)
The 70% rule caps the purchase price at 70% of the after-repair value (ARV) minus repairs, leaving room for holding, financing and selling costs plus profit. The full calculation then totals every cost for a true net profit, return on cash and annualized ROI.
Max offer = ARV × 70% − rehab · ROI = net profit ÷ cash invested
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Commission split
Gross commission income (GCI) is the sale price times your side’s rate. Referral fees come off the top, then franchise or royalty fees, then the brokerage split (limited by any remaining annual cap), and finally flat transaction or E&O fees.
Take-home = GCI − referral − franchise − brokerage share − fees
Open the calculator
GCI and income goals
Starting from the income you want to take home plus business expenses, the planner divides by your net commission per deal to get closings, then works backward through your conversion rates to signed contracts, appointments and leads.
Closings = (income goal + expenses) ÷ (avg. price × commission × your split)
Open the calculator
Questions
Frequently asked questions
Are these real estate tools really free?
Yes. Every calculator, the Listing Description Writer and Flyer Studio are free to use with no account, trial or credit card. Rise Estate builds them for the agents in our referral network and for any agent who finds them useful.
Is my client’s information private?
Calculations run entirely in your browser. Numbers, photos and client details are never uploaded to Rise Estate. Your inputs and report details are saved only on your own device so they are there next time; clearing your browser data removes them.
How accurate are the calculators?
They use standard industry formulas and are exact for the inputs you give them. Real transactions depend on lender pricing, county tax rates, title fees and local customs, so treat results as estimates and confirm them against a Loan Estimate or a title company settlement statement.
Can I put my own branding on the PDF reports?
Yes. Open “Personalize your PDF reports” in the workspace and add your name, phone, email, brokerage, client and property. Every PDF you download includes those details, and Flyer Studio picks up your agent information automatically.
What sizes can Flyer Studio export?
US Letter print flyers (8.5 × 11 in at 200 DPI), Instagram posts (4:5), Story and Reel covers (9:16), square posts and 16:9 landscape for email, Facebook and TV screens. Each one downloads as a PDF, PNG or JPG.
Does the Listing Description Writer follow Fair Housing guidelines?
It is written to describe the property rather than the people who might live there, and it avoids phrases that commonly raise Fair Housing concerns. You are still responsible for reviewing each description for accuracy and for your MLS’s rules before publishing.
Can I share results with a client?
Every calculator has a Share link button that copies a URL which reopens the tool with your exact numbers. You can also copy a plain-text summary into a text or email, or send the branded PDF.
How do these tools help me win more business?
Clear numbers build trust at the listing appointment and the first buyer consultation. When you want more of those conversations, Rise Estate sends exclusive, ISA-qualified buyer and seller referrals in the ZIP codes you choose, and you pay a referral fee only when a deal closes.
Rise Estate referral network
The numbers are ready. Now fill your calendar.
Rise Estate delivers exclusive, AI-verified and ISA-qualified buyer and seller referrals in the ZIP codes you choose. You pay a referral fee only when a deal closes.