FREE INTERACTIVE PLANNING TOOLS

Free Interactive Tools

Educational planning tool · Example values are fictional · Your entries stay in this browser.

Owning a home · Free calculator

Stay, Refinance or Move Calculator

Compare keeping your home and current loan, refinancing, or selling and buying another home, over the years you choose.

Accessible chart data

The numbers behind it

Calculation summary

What this means

Notes based on your numbers
    PRO version · Coming soon

    Keep this as a project in Real Estate PRO

    • Save your inputs and come back anytime
    • Compare up to three scenarios side by side
    • Print a branded report or share an expiring link
    Included in these toolkits See PRO toolkits →

    PRO is not open to new members yet. This free tool stays free.

    From the RealtyListingCo shop

    Go further with a workbook

    Paid, editable workbooks that pair with this free tool. Each product page lists the exact contents, formats and price.

    The free tool stays free. Workbooks are optional.

    How to use it

    Three steps

    1. Enter your home’s value and your current loan.
    2. Enter refinance terms and the next home you might buy.
    3. Choose how many years to compare and see costs, payments and equity for each path.
    Questions

    Common questions

    Why compare equity as well as costs?

    Paying down a loan builds equity. The tool counts costs paid, the equity you would have, and any cash you receive.

    Does this include the tax on a sale?

    No. The Home Sale Gain & Exclusion Estimator can help with that.

    What about the space and location I need?

    Those may matter more than the numbers. This tool compares money only.

    Keep exploring

    Related free tools

    All 23 planning tools →

    Keep a copy of these results

    Your entries stay in this browser on this device. Print or save a PDF to keep a copy anywhere.

    Read before relying on it

    What this leaves out

    • Space, location and family needs
    • Taxes on a sale or interest deductions
    • Rate changes on adjustable loans
    • Refinance costs added to the loan
    • What you do with cash out

    Example values are fictional. Replace them with your own figures, quotes and estimates.

    Important

    General education and scenario arithmetic only, not legal, tax, financial, lending, valuation, engineering or investment advice. Requirements depend on jurisdiction, documents and circumstances. Confirm figures and consequential decisions with appropriately qualified local professionals. These tools do not determine qualification, entitlement, feasibility or approval. Calculator inputs are not submitted to RealtyListingCo; they are kept only in this browser so you can come back to them.

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