About HomeValueTools

Buying, renting, or investing in property involves some of the largest numbers most people will ever deal with — yet the math behind those numbers is rarely shown. Too many online tools hide the formula, demand an email address, or quietly route you to a lead form. HomeValueTools exists to do the opposite.

Our principles

Free, with no signup. Every calculator works instantly, with no account and no paywall.

Private by design. All calculations run in your browser. Nothing you enter is transmitted, stored, or shared — your income and budget are nobody's business but yours.

Honest about assumptions. Every calculator uses standard industry formulas — fixed-rate amortization, the 28/36 lending rule, the conventional 2–5% closing cost range — and states its assumptions in plain sight, right under the result.

What we are not

We are not lenders, brokers, or financial advisors, and these tools produce educational estimates, not quotes or advice. Your real numbers depend on your credit profile, your local market, and your lender — always verify final figures with qualified professionals before signing anything.

Questions or suggestions? We'd genuinely like to hear them — see the contact page.