United States calculators for your vacation home
Built on US rules: Fannie Mae second home and investment property limits, 2026 federal tax figures, the 14-day rule, Section 121 and depreciation recapture.
- Running costsVacation home running costsThe true yearly cost of a vacation home, including taxes, HOA, insurance and upkeep.
- AffordabilityCan I afford a second home?Debt-to-income with both homes, and second home versus investment property rules.
- RefinanceRefinance break-evenMonths to recover closing costs, and the interest saved over your stay.
- SellingCapital gains on a second homeSection 121, nonqualified use, depreciation recapture and the 3.8% NIIT.
- Any currencyFamily property cost splitShare a cottage or family home fairly by ownership, weeks of use, or both, and settle who owes whom.
United States guides
- GuideBuying a vacation homeDown payment, rates, reserves and closing costs for a second home in 2026.
- GuideVacation home tax rulesThe 14-day rule, mortgage interest after OBBBA, and the SALT cap.
- GuideSelling a second homeCapital gains, Section 121, nonqualified use and depreciation recapture.
Other countries: Canada ยท United Kingdom
Keep the numbers with the property
OwnersLog holds costs, receipts, owners, repairs, contacts and photos for a second property in one private record, so the figures are there when you need them.