Guided journey
A guided home-buying path through Vicaya calculators, decision signals, scenario comparisons, levers, and educational disclosures.
Before you buy
Home buying calculators
Estimate home affordability, mortgage payments, down payment, loan-to-value, and closing costs.
Start with the guided path
Compares the whole decision in one place
Home buying calculators
16 calculators
Payment & affordability
Upfront & loan terms
United States
United Kingdom
India
Also used in this decision
About these calculators
Buying a home is not one calculation. It is a budget question, a deposit question, a loan-size question, and a cash-at-closing question, and they constrain each other: raise the deposit and the loan shrinks, stretch the price and the monthly payment and the cash needed both move with it.
The tools below take those apart one at a time. A common order is to find the price range first, then test what deposit that implies, then check the loan-to-value the deposit leaves, then add the costs that land on completion day. Each page shows its formula and the assumptions behind the figure.
Which tool answers what
| Calculator | What it estimates |
|---|---|
| Mortgage Calculator | Estimate a fixed-rate mortgage payment with principal, interest, property tax, home insurance, PMI, and optional housing costs. |
| FHA Mortgage Calculator | FHA loan payment with upfront and annual mortgage insurance, how long MIP lasts, and whether the loan fits FHA credit, down payment and loan-limit rules. |
| VA Mortgage Calculator | VA loan payment with the funding fee, plus VA’s own underwriting tests: the 41% debt-to-income guideline and residual income by region and family size. |
| Home Affordability Calculator | Estimate a home price that may fit your budget, using income before taxes, current debts, rate, time to repay, ownership costs, and down payment. |
| Mortgage Affordability Calculator | Estimate the mortgage your income, debts, rate, term, and ownership costs may support. |
| Mortgage Qualification Calculator | Estimate a loan amount from your income before taxes, monthly debt payments, and the debt-share-of-income limits you enter. Not a lender decision. |
| Mortgage Down Payment Calculator | See your down payment as a percentage, the loan amount left to borrow, and the cash you need up front. |
| Loan-to-Value Calculator | Work out loan-to-value (LTV), the loan share of property value, from your loan amount and what the property is worth. |
| Combined Loan-to-Value Calculator | Add up every loan secured on the home to see combined loan-to-value (CLTV), the share of property value those loans cover. |
| Closing Costs Calculator | Add up the closing costs you enter to see the total cash you need at closing. Nothing is estimated for you. |
| Stamp Duty Calculator | Estimate SDLT, LBTT and LTT on a residential purchase with first-time buyer relief, additional-property charges and a band breakdown. |
| Mortgage APR Calculator | Estimate a mortgage APR, the rate plus certain fees, from the loan terms and the fees you enter. Not a lender disclosure. |
| Rent vs Buy Calculator | Compare renting versus buying over your chosen years, including rent and home price growth. |
| Home Loan EMI Calculator | Work out your home loan EMI on the reducing-balance method, then see what a lump-sum or monthly prepayment saves in interest and months, and what a floating-rate reset does to the tenure or the EMI. Full month-by-month schedule with CSV export. |
| Debt-to-Income Calculator | Work out debt-to-income (DTI), the debt share of income, from your income before taxes and your monthly debt payments. |
| Mortgage Comparison Calculator | Compare two mortgages side by side: monthly payment, total interest, cost over the years you plan to keep it, and payoff date. |
Common questions
How much home can I afford?
Affordability tools work backwards from income, existing debt payments, the interest rate, and the term to a price range, rather than forwards from a price you already have in mind. Lenders apply their own limits on top, so an affordability estimate is a starting range to test, not a lending decision.
How much deposit do I need?
The deposit is whatever share of the price you are not borrowing, and it drives two other figures: the loan amount, and the loan-to-value ratio lenders price against. A larger deposit lowers both. The down payment calculator converts between a percentage and a cash amount at a given price.
What is loan-to-value and why does it matter?
Loan-to-value is the loan divided by the property value, expressed as a percentage. It matters because lenders band their rates by it, and because mortgage insurance is commonly required above a threshold. Lowering the loan or raising the deposit both lower the ratio.
What costs land on top of the deposit at closing?
Closing costs are the fees and prepaid amounts due at completion, separate from the deposit itself — lender fees, valuation, legal work, and prepaid tax and insurance among them. They are worth estimating early, because they are cash you need on the day and cannot borrow inside the mortgage.
Other decisions
What do I actually take home?
Estimate take-home pay, salary deductions, tax withholding, and employer payroll cost.
How do I manage or improve my existing mortgage?
See amortization, payoff, extra payments, recasts, points, and rate-adjustment scenarios.
Should I refinance or use home equity?
Compare refinance options, break-even timing, equity access, HELOCs, and cash-out choices.
What will this loan cost me?
Estimate payment, APR, repayment schedule and total loan cost for personal, auto and student loans, and compare two offers on the same basis.
How do I get out of debt?
Plan payoff, minimum payments, balance transfers, consolidation, and debt ratios.
How will my money grow?
Saving, Investing & Retirement
Project compound interest, investment growth and retirement savings, and see how much the return and inflation assumptions move a long-horizon result.
Does the business make money?
Find the break-even point, price for a margin or a markup, measure a return over its holding period, and set a freelance rate from the hours you can actually bill.
What do these health measurements mean?
Use browser-only screening tools with visible formulas, limitations, medical sources, and review dates.
What is the everyday answer, worked properly?
Percentages, fractions and units; tips, discounts and fuel; dates, ages and time; grades and GPA — each one stating the convention it applied rather than hiding it.