Free Real Estate Calculators 2026
Free tools for the French real estate market
Access our suite of free real estate calculators designed for the French market. Based on official French tax rates, regulations (ALUR law, HCSF norms) and 2025 schedules. Instant results, no sign-up required.
Purchase & Fees
Calculate your purchase costs and borrowing capacity
Notary Fees
Calculate notary fees for new or existing property purchases. Full breakdown: transfer tax, emoluments, disbursements.
Borrowing Capacity
Estimate your borrowing capacity based on your income, expenses, and the maximum 35% debt ratio.
Debt Ratio
Calculate your current debt ratio and verify your borrowing capacity.
APL Calculator
Estimate your Personalized Housing Assistance based on income, household and geographic zone.
Rent vs Buy Calculator
Compare the total cost between buying a property and staying a tenant. Break-even simulation and personalized recommendation.
Financing & Loans
Simulate your real estate loans and financing
Loan Payments
Calculate your mortgage payments based on amount, duration, and interest rate.
Amortization Schedule
Visualize the evolution of principal and interest month by month with free CSV export.
Zero-Rate Loan (PTZ)
Calculate your 2025 PTZ amount and check your eligibility based on income, zone, and household.
Bridge Loan
Simulate your bridge loan: amount granted, monthly payments and total cost. Compare dry and backed loans.
Loan Insurance
Calculate your loan insurance cost and compare with market average rates based on your age.
Loan Management & Wealth
Optimize your loans and build your wealth
Mortgage Refinance
Evaluate the profitability of refinancing your mortgage loan. Break-even point calculation and potential savings.
Early Repayment
Calculate prepayment penalties (IRA) and estimate your interest savings for partial or full early repayment.
Savings Effort
Calculate the time needed to build your down payment. Simulation with compound interest and personalized advice.
Buyout Calculator
Calculate property share buyout in case of divorce or exit from co-ownership. Includes 2025 notary fees.
Rental & Rent
Manage your rents and rental charges
Rent Cap Calculator
Check if your rent complies with legal caps in regulated areas. Official 2025 data for Paris, Lyon, Lille and other cities.
Rent Revision (IRL)
Calculate your annual rent increase based on the Reference Rental Index (IRL) published by INSEE.
Taxation & Capital Gains
Optimize your real estate taxation
Capital Gains Tax
Estimate your capital gains and associated taxation with holding period allowances.
Inheritance Tax
Estimate inheritance tax on real estate property. Calculation based on relationship and applicable allowances.
IFI Calculator
Calculate your French Real Estate Wealth Tax according to the 2025 schedule. Simulation with primary residence reduction and deductible debts.
Need more advanced simulations?
Discover our advanced simulators for complete analysis of your real estate projects: detailed taxation, comparisons, 25-year projections.
View advanced simulatorsThese calculators are designed for the French real estate market and provide indicative estimates based on French regulations. For accurate calculations tailored to your situation, consult a French professional (notaire, banker, tax advisor).
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