About HomTer
Free, transparent tools for one of life's biggest decisions.
HomTer is a free resource built to help people navigate the financial side of housing — whether you're deciding between renting and buying, exploring mortgage options, or evaluating a new city. We believe everyone deserves access to clear, unbiased tools without hidden fees or upsells.
What We Offer
Housing Calculators
Rent vs. Buy comparison, mortgage payments, and affordability analysis — all running locally in your browser.
Financial Tools
Currency conversion with live ECB rates and inflation tracking using official CPI data.
Climate Data
Search any city for average temperatures, rainfall, and climate profiles to help evaluate locations.
Guides & Resources
Step-by-step guides for home buyers and renters, plus a glossary of real estate terms.
Our Approach
- Privacy first. All calculations run in your browser. We don't collect, store, or transmit your financial data.
- No hidden agenda. We don't sell leads to lenders or promote specific financial products.
- Transparent data sources. Every tool shows where its data comes from — ECB, BLS, Open-Meteo — so you can verify it yourself.
- Always free. No subscriptions, no paywalls, no account required.
Who We Are
HomTer is independently owned and operated by Wet Ocean. We are not affiliated with any bank, lender, real estate agency, or financial institution. Our goal is to provide helpful tools without conflicts of interest.
Get in Touch
Have a question, suggestion, or found an issue? We'd love to hear from you. Reach out at wetocean.com/contact.