Help Center

Compare the long-term financial impact of renting versus buying a home.

• 1.Enter your current rent and the home price you're considering
• 2.Adjust assumptions like home appreciation rate and investment return rate to see how they affect the outcome
• 3.The chart shows your projected net worth under each scenario over time

Calculate your monthly mortgage payment and see a full amortization schedule.

• 1.Enter the loan amount, interest rate, and loan term
• 2.The breakdown shows how much of each payment goes to principal vs. interest
• 3.Try adjusting the down payment to see how it affects your monthly cost

Determine how much house you can afford based on your income and expenses.

• 1.Enter your gross annual income and monthly debts
• 2.The tool uses standard debt-to-income ratios used by lenders
• 3.Results show estimated maximum home price and monthly payment

Convert amounts between currencies using live exchange rates from the European Central Bank.

• 1.Select your source and target currencies from the dropdown menus
• 2.Exchange rates are updated daily by the ECB via the Frankfurter API
• 3.Use the swap button to quickly reverse the conversion direction

See how inflation has changed the value of money over time using official CPI data.

• 1.Enter an amount and select a start year and end year
• 2.Data is based on U.S. Bureau of Labor Statistics CPI-U annual averages
• 3.The chart shows CPI trends over your selected period

Search any city for average temperatures, rainfall, and climate data.

• 1.Type a city name and select from the suggestions
• 2.Toggle between °C and °F using the button at the top
• 3.Data is based on 10-year averages (2010–2020) from the Open-Meteo Climate API

Is HomTer really free?

Yes, all tools and resources on HomTer are completely free. No account, subscription, or payment required.

Is my data safe?

All calculations run locally in your browser. We don't collect, store, or transmit any of the numbers you enter into our calculators.

Where does the data come from?

Exchange rates come from the European Central Bank (via Frankfurter API), inflation data from the U.S. Bureau of Labor Statistics, and climate data from the Open-Meteo Climate API. Each tool credits its data source.

Should I make financial decisions based on these calculators?

Our tools provide estimates for educational purposes. Always consult with qualified professionals (financial advisors, mortgage brokers, etc.) before making significant financial decisions.