The Mortgage & Real Estate Ally is a free suite of mortgage and real estate calculators built to give buyers, investors, and short-term rental operators the honest numbers — not the oversimplified estimates that most calculators produce. Every tool is free, requires no signup, and runs entirely in your browser.
Who built this
Rian Choi
Short-Term Rental Operator · Property Manager · Published Author
Rian Choi is a practicing short-term rental operator and property manager with hands-on experience across multiple markets. He has managed STR properties on Airbnb, VRBO, and Booking.com, navigated real-world financing decisions including investment property mortgages, and developed the operational systems that produce consistent 5-star guest reviews and Superhost status. The tools on this site reflect the actual calculations he uses to evaluate properties, model cash flow, and estimate STR income — not theoretical formulas from a textbook.
Most mortgage calculators show only principal and interest — leaving out property taxes, insurance, PMI, and HOA fees that add $300–$800/month to your real payment. Most investment property calculators ignore vacancy, maintenance reserves, and CapEx — making marginal deals look profitable. Most STR income calculators use a single flat number with no seasonality, market segmentation, or regulatory context.
We built this because better tools lead to better decisions. Every calculator here includes the costs and variables that experienced real estate professionals actually use — the ones that matter when real money is at stake.
What's included
🏠 Affordability Calculator28/36 rule, true cost of ownership including maintenance and opportunity cost
💰 Payment CalculatorFull PITI + PMI breakdown with 5×5 sensitivity table
📅 Amortization ScheduleExtra payment slider showing interest saved and time reduced
🎁 First-Time Buyer ProgramsFHA, VA, USDA, Conventional 3%, State DPA eligibility checker
📊 15 vs 30 Year ComparisonTrue cost comparison including investment alternative analysis
🏘️ Investment Property AnalyzerFull cash flow including vacancy, management, maintenance, and CapEx
🏖️ STR Income Estimator150+ US markets, 3 scenarios, seasonality, regulatory status
Our approach
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Honest numbers
We include the costs most calculators omit — because the accurate answer is more useful than a flattering one.
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Always free
No signup, no subscription, no paywalled features — ever.
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Privacy by design
All calculations run in your browser. No data leaves your device.
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Grounded in practice
Every formula reflects how experienced investors and operators actually evaluate decisions.
How this site is supported
This site is free and supported by Google AdSense display advertising and affiliate commissions from relevant financial and real estate services. Affiliate relationships have no influence on calculator results — outputs are based purely on your inputs and standard financial formulas. See our Privacy Policy for how advertising works on this site.
Accuracy and limitations
Important: All calculations on this site are estimates for educational and planning purposes only. Mortgage calculations use standard amortization formulas. STR income estimates are based on published market data from AirDNA and industry sources and are not guaranteed — actual income depends on listing quality, management, local regulations, and market conditions. Investment property figures are planning estimates, not financial projections. Always consult a licensed mortgage professional, real estate agent, financial advisor, and attorney before making real estate decisions.