About Home Kruncher

Home Kruncher is a free mortgage calculator and real estate cost analyzer built for first-time home buyers, seasoned homeowners, and real estate investors who want the complete financial picture before making one of the biggest decisions of their lives.

Buying a home is exciting, but the true cost of homeownership goes far beyond the listing price. For most first-time buyers, the mortgage payment is just the beginning. There are closing costs, loan origination fees, title insurance, property taxes, homeowner's insurance, PMI, and dozens of line items that can add thousands of dollars to what you'll actually need at the table. Home Kruncher was built to make sure none of that catches you off guard.

For first-time home buyers, Home Kruncher walks you through every cost involved in purchasing or refinancing a home. Understand exactly what you'll pay in closing costs: broken down by lender fees, third-party services, prepaid items, and escrow reserves, so you know how much cash to bring to closing. Compare loan types side by side: Conventional vs. FHA, each with its own down payment requirements, PMI rules, and borrower protections. Learn how mortgage points work and whether buying down your rate makes financial sense for your timeline. Use the discount points calculator to see the real break-even on paying more upfront to lower your monthly payment for the life of the loan.

For homeowners refinancing, Home Kruncher lets you model the full cost of a new loan against your current one, including closing costs, the new rate, and how long it takes to recoup what you spend. No surprises.

For real estate investors, the ROI Analysis tab gives you a full income and expense picture on any potential rental property. Enter your expected rent, vacancy rate, management fees, and operating costs to calculate cash flow, annual return, and cash-on-cash yield. Whether you're analyzing a long-term rental or a fixer-upper flip, Home Kruncher helps you run the numbers before you make an offer.

Every calculation runs entirely in your browser. No account required. No data collected. No information ever leaves your device. Home Kruncher is completely free, because understanding what you're getting into shouldn't cost you anything.

Know your numbers. Make your move.