Free Tools from Tim Tepes
Real Estate Calculators for the Lehigh Valley
How much will my mortgage cost? What do PA closing costs really add up to? Is the rent worth it versus the buy? Should I buy that apartment building? These simple, working calculators give you straight numbers you can trust, built with standard industry formulas and Pennsylvania context, from an agent with 36+ years in the Lehigh Valley market.
Calculate your next move as a buyer or seller
Mortgage Calculator
Estimate your monthly principal and interest, total payment with taxes and insurance, and how much lien you can afford.
Use calculatorPennsylvania Closing Cost Estimator
Estimate buyer and seller closing costs with real Pennsylvania cost categories: transfer tax, title, recording, lender fees.
Use calculatorRent vs Buy Calculator
Compare the long-term cost of renting against buying, and see the year owning usually starts to win.
Use calculatorHome Equity Calculator
See how much equity you hold in your home and what a seller walks away with after costs.
Use calculatorProperty Tax Savings Calculator
Estimate yearly savings from a successful Pennsylvania property tax appeal, tied to Tim's appeal guide.
Use calculatorThinking about your home's worth?
Pair any estimate with a free, no-obligation valuation of your actual Lehigh Valley home.
Get a free home valuationUnderwrite a rental, apartment building, or commercial deal
The same standard industry formulas investors use, plain English labels and Pennsylvania context, from the agent known for small multifamily and investment guidance across the Lehigh Valley.
ROI Calculator
Total return and ROI percentage from cash invested, net cash flow, and appreciation.
Use calculatorIRR Calculator
Internal Rate of Return over a holding period from annual cash flows and sale proceeds.
Use calculatorAPOD, Annual Property Operating Data
Full-year income statement: scheduled rent, expenses, NOI, debt service, and pre-tax cash flow.
Use calculatorNOI Calculator
Net operating income after vacancy and expenses, with cap rate output when priced.
Use calculatorGross Income Calculator
Scheduled and effective gross income per unit count, tested against price and cap rate.
Use calculatorRental Profit & Loss Calculator
Monthly and annual cash flow, and profit or loss after reserves on any rental.
Use calculatorCap Rate Calculator
Find cap rate, price, or NOI when you know the other two.
Use calculatorDSCR Calculator
Debt service coverage ratio from gross rent minus expenses, divided by the debt payment.
Use calculator1031 Exchange Tax Savings Calculator
Estimate federal and Pennsylvania capital gains taxes a 1031 tax can defer.
Use calculatorHow should you use these calculators?
Every calculator on this page is a real, working tool you can run in your browser. Nothing is saved, nothing is sent anywhere, and your numbers stay on your screen. They are built with standard real estate formulas and Pennsylvania context, so the results are useful where you actually live: the Lehigh Valley.
Because every deal is different, treat each result as an estimate, not an approval. Rates change weekly, closing costs vary by county and lender, and investment returns depend on what you actually pay, finance, and manage. That is exactly why Tim reviews the real numbers with investors, buyers, and sellers before they commit.
Fair Housing and honest numbers
Tim serves all qualified homebuyers and investors regardless of race, color, religion, sex, disability, familial status, or national origin, and he presents figures honestly before you decide. These tools are for education and planning.
Run the numbers, then run them past Tim
Call (484) 275-0056 or book a free 30 minute consultation to turn any estimate into a plan.
Tim Tepes | Assoc Broker, Tim Tepes Real Estate LLC | PA License #AB062628L