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Calculators for
Home & Trade

Mortgage payments, roofing costs, salary take-home, rent vs buy — real numbers, fast. No accounts, no ads in the way, no nonsense. Estimates only.

15+Calculators
US & CACoverage
FreeAlways

Estimates only — not financial advice. Always verify with a licensed professional.

Home Finance

Mortgage Payment Calculator
P&I, taxes, insurance, HOA. Amortisation table. Prepayment scenarios.
Coming soon
Refinance Break-Even Calculator
How long until your new rate pays off the closing costs?
Coming soon
Home Affordability Calculator
DTI-based. Includes Canadian mortgage stress test option.
Coming soon
Rent vs Buy Calculator
NPV comparison over your hold period. See the true cost of each.
Coming soon
Closing Cost Estimator
State/province-aware. Breaks down lender, title, and government fees.
Coming soon

Salary & Income

Salary Calculator (US)
Take-home pay by state. Federal + state tax, FICA, 401k. All 50 states.
Coming soon
Salary Calculator (Canada)
Net pay by province/territory. CPP, EI, federal + provincial tax.
Coming soon
Freelance Rate Calculator
What hourly rate do you need to hit your income goal after overhead?
Coming soon
1099 Tax Estimator
Self-employment tax + estimated quarterly payments (US Schedule C).
Coming soon

Trade Estimators

Roofing Cost Calculator
Sq-ft + pitch + material. Regional cost variance. "Find a roofer" CTA.
Coming soon
Concrete Volume Calculator
Slab, footing, or column. Cubic yards + bags. Waste factor included.
Coming soon
Paint Coverage Calculator
How many gallons for your room? Accounts for doors, windows, coat count.
Coming soon
Flooring Cost Calculator
Sq-ft + material + install. Waste factor. Hardwood, LVP, tile, carpet.
Coming soon
Drywall Estimator
Sheets + compound + tape for any room size.
Coming soon

Renovation Budgets

Kitchen Renovation Cost
Regional cost ranges from cosmetic refresh to full gut. Material tiers.
Coming soon
Bathroom Renovation Cost
Half bath, full bath, ensuite. Regional cost variance tables.
Coming soon
Home Addition Cost per Sq Ft
Above-grade addition vs garage conversion vs basement finish.
Coming soon
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Why HomeCalc?

US & Canada coverage

Our mortgage and salary calculators handle both US state taxes and Canadian provincial tax + stress test rules. Most sites do one or the other.

Regional cost data

Trade estimates use regional material and labour cost variance — not a single national average that's wrong everywhere.

No data sent anywhere

Every calculation runs in your browser. Your income, mortgage amount, and address never leave your device.

Honest about limits

We tell you when you need a real professional. These are estimates — good estimates, but we won't pretend they replace a mortgage broker or licensed contractor.