Real Estate Investor Calculators
Every calculator here is free, ungated and works without an email address. Each one shows its arithmetic rather than a single flattering number, because the figure that matters is usually the one the industry rounds off.
Sizing up a deal
What it is worth, what it needs, and what you can pay for it.
- ARV Calculator
After-repair value as a range, with comp disagreement shown.
- Maximum Allowable Offer Calculator
The 70% rule against the offer your own costs support.
- BRRRR Calculator
Capital recovered and cash flow after the refinance, side by side.
- Fix & Flip Calculator
Profit, and how far the ARV can miss before it disappears.
- Scope of Work Calculator
A rehab budget built line by line instead of guessed at.
- Cash Offer Calculator
A cash offer against listing — net proceeds, not headline price.
- Desktop Appraisal Calculator
An adjustment grid, the way an appraiser builds one.
Paying for it
What the money costs, and whether the loan will actually close.
- Fix & Flip Cost of Capital Calculator
What a hard money quote actually costs, Dutch and non-Dutch.
- DSCR Loan Calculator
Both ways lenders compute coverage, amortizing and interest-only.
- Mortgage Calculator
Total interest, PMI cancellation dates, and what extra payments do.
- Closing Cost Calculator
Every line tagged by what you can actually negotiate.
- DTI Calculator
How rental income actually counts — 75% of rent, minus the payment.
- Land Loan Calculator
Carry, and what you still owe when the balloon arrives.
- Construction Loan Calculator
Interest on what is drawn, and what a month of delay costs.
- Escrow Calculator
Why the payment rose by more than the tax bill did.
- Mortgage Points Calculator
Break-even against how long you actually keep the loan.
- Refinance Calculator
The clock reset that makes a lower rate cost more.
- Loan Comparison Calculator
APR against what you pay over the years you actually stay.
- Rehab Draw Schedule Calculator
Peak out-of-pocket, which is rarely what people budget for.
Running the property
What it earns once you own it, monthly and over the hold.
- Rental Property Calculator
Full operating statement, cap rate, cash-on-cash and total return.
- Cash-on-Cash Return Calculator
What your own money earns, counting every dollar you put in.
- Rental Cash Flow Calculator
Monthly cash flow with the reserves most spreadsheets leave at zero.
- IRR Calculator
With the equity multiple and MIRR, because IRR rewards speed.
- Prorated Rent Calculator
All three conventions, and the gap between them.
- Short-Term Rental Calculator
Netted against the lease it replaces, not against gross revenue.
Taxes and getting out
What the IRS takes on the way through, and on the way out.
- 1031 Exchange Calculator
Boot including debt relief, and the two calendar deadlines.
- Depreciation Calculator
What it saves, what recapture takes back, what you keep.
Reference
- Appraisal Types Compared
What each valuation product actually is, what it costs and when a lender will accept it.
- DSCR Loan vs Conventional
One qualifies you, the other qualifies the property — and the prepayment penalty nobody leads with.
- Hard Money vs Private Money
A lending business against a person with capital, and why the rate is the smallest part of the cost.