Florida mortgage calculators
Free, ad-supported, all-in-cost-first calculators for Florida — no lead forms, no lender routing.
Affordability calculator
Income, savings, and debts in — max home price and qualification signal out.
Mortgage payment calculator
Estimated all-in monthly payment for a home price you have in mind.
Refinance calculator
New payment, monthly savings, and break-even point if you refinance.
First-time buyer programs
Check which down payment assistance programs you likely qualify for.
HELOC / home equity loan calculator
Available equity, payment estimate, and combined loan-to-value.
Mortgage points calculator
Should you buy down your rate? Break-even and lifetime cost comparison.
ARM vs. fixed-rate calculator
Compare an adjustable-rate loan's intro period against a fixed rate.
PMI removal calculator
When your PMI is scheduled to end, by law and by request.
Monthly debt calculator
Add up your recurring monthly debts — for a mortgage debt-to-income (DTI) check, a rent application, or a payoff plan.
Home insurance premium estimator
What homeowners insurance costs in your state, and whether what you pay is out of line.
Replacement cost calculator
Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.
Deductible comparison
What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.
Renewal increase check
Did your renewal go up more than premiums did across your state — and what to do about it.
Full coverage check
All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.
Rental property analysis
Cap rate, real cash flow, and cash-on-cash return — with the expenses most analyses leave out.
Hold-period total return
What five years of owning it actually returns — cash flow, the loan your tenant pays down, and the sale.
Investment cash to close
Every dollar you bring to the closing — transfer tax, who pays it in your state, recording tax, and lender reserves.
Retirement tax by state
What your state actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, not a yes/no list.
Brokerage account growth
Long-term index-fund growth after expense-ratio drag — and what your state takes from the gains at withdrawal.
Roth vs. Traditional
Decided on the two rates that actually govern it — yours now, and yours at withdrawal, in the state you'll retire in rather than the one you're in.
Contribution limit optimizer
2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.
Required minimum distribution
When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.
Backdoor Roth pro-rata
What a backdoor Roth conversion would actually cost you in tax — the pro-rata rule most calculators only describe.
Self-directed IRA real estate (UDFI)
The tax a leveraged rental owes inside a self-directed IRA — computed at trust rates, not the rate you'd assume.
Auto loan calculator
The real out-the-door number — including whether your state credits your trade-in against the sales tax.
Auto lease calculator
Money factor, residual, and the payment — taxed by your state's actual method, since some states tax a lease's full value upfront instead of each payment.
Loan payoff calculator
What paying extra actually saves you — in interest and in months — on a car loan, a personal loan, or anything else that amortizes.
0% APR vs. cash rebate
Which dealer offer actually costs less over the life of the loan, and the rate at which they tie.
Personal loan calculator
Payment, total interest, and the effective APR once an origination fee is deducted from what actually reaches your account.
Debt consolidation calculator
Whether one loan actually beats paying your existing debts off as they are — measured against the best you could do without consolidating.
Auto refinance calculator
Whether refinancing your car loan is worth it — including whether a lower payment is being bought with a longer term on a depreciating asset.
Lease vs. buy a car
The same car both ways over the same months, with the resale value credited to the buyer — the part most comparisons leave out.
Paycheck breakdown calculator
One paycheck line by line, and the pay period in which Social Security stops and every remaining cheque gets bigger.
Raise and bonus impact calculator
What a raise leaves you after tax, and what a bonus is withheld at versus what it actually costs.
W-2 vs. 1099 calculator
What contract profit actually replaces a salary, solved against the real self-employment tax rules rather than estimated.
Effective vs. marginal tax rate calculator
The bracket ladder drawn out — every bracket, the income that landed in it, and why a raise can never leave you with less.
Take-home pay calculator
What actually reaches your account after federal tax, FICA, and your state's own brackets — with local income tax disclosed rather than guessed at.
50/30/20 budget calculator
Needs, wants, and savings as shares of your TAKE-HOME pay — not of gross, which is the version that never balances.
Debt payoff calculator
Avalanche against snowball, month by month — and the real dollar cost of choosing the easier one.
Where does my paycheck go
Take-home from Salary, housing from Rent or Mortgage, debts from the debt calculator — and what is actually left.
Savings goal calculator
What a target costs each month, and how much of it growth is expected to supply rather than you.
Emergency fund calculator
Months of essential spending, not months of income — the distinction that decides whether the number is right for you.
Rent affordability calculator
What rent you can carry against take-home pay, what a landlord will screen you on, and the gap between the two.
Rent vs. buy calculator
The honest break-even, including what selling costs and what the down payment would have earned if it stayed invested.
Move-in cost calculator
Every dollar a move takes, split into what comes back and what never does — plus whether the deposit is one your state actually allows.
Rent increase checker
What the increase costs a year, whether your state caps it, and the notice rule that decides most cases the percentage does not.
Roommate rent split calculator
Splits rent by room size and by income, side by side with an even split, so you can see how much the choice of rule is actually worth.
Browse by county
County-specific tax, price, and insurance figures — every other county in Florida uses the statewide averages above.
Florida at a glance
- Median home price
- $425,000
- Typical closing costs
- 2%–5% of price
- Transfer tax
- 0.7% of sale price, customarily paid by seller
- Closing custom
- varies
- Homestead exemption
- Florida's homestead exemption exempts up to $50,000 of assessed value: the first $25,000 applies to all taxes including school district tax; an additional $25,000 (on the portion of assessed value between $50,000-$75,000) applies to all taxes EXCEPT school district tax. Combined with the 'Save Our Homes' cap, which limits annual increases in assessed (not market) value to the lesser of 3% or the change in CPI (2.9% for the 2025 tax roll), this can create a large and growing gap between assessed and market value over time. Also provides constitutional creditor/judgment protection on the homestead. A ballot measure to raise these amounts to $150,000/$250,000 was pending as of this research and is NOT yet law — only the current $25,000/$25,000 figures are used here.
First-time buyer / down payment assistance programs
- Florida Hometown Heroes Housing Program
Florida Housing Finance Corporation program offering down payment and closing cost assistance up to $35,000 as a 0%-interest deferred second mortgage (repaid at sale, refinance, or when the home is no longer a primary residence) for frontline/essential workers — teachers, nurses, first responders, military/veterans, and roughly 50 other qualifying occupations — buying a primary residence.
- FL Assist
Statewide Florida Housing Finance Corporation down payment assistance program: a deferred, 0%-interest second mortgage up to $10,000 with no monthly payment, repaid at sale, refinance, or payoff of the first mortgage.
- Florida Homeownership Loan Program (FL HLP)
Florida Housing Finance Corporation second-mortgage down payment assistance of $12,500, at a 3% fully-amortizing fixed rate over a 30-year term with a small monthly payment; cannot be combined with Hometown Heroes.