Real Estate Calculators

Use these calculators for deal screening, analysis, and property management. Deal Screening & Offers covers deal finder, 70% rule, fix & flip, wholesaling, and investor mortgage. Analyze & Execute includes rental property, rehab estimator, BRRRR, and Airbnb. Compare & Exit helps with deal comparison and sell vs keep. Property Management Suite covers rent pricing, lease profitability, vacancy risk, expense benchmark, and portfolio analyzer. Financing includes loans and home affordability. Quick Metrics & Calculators includes rent vs buy, cap rate, cash flow, cash-on-cash, DSCR, house flip, down payment, closing cost, and price per sq ft. Search or pick a category below to start.

Tools by category

Deal Finder Mode

Enter price, rent, and rehab → Calciverse tells you: BUY, NEGOTIATE LOWER, or PASS

Purchase Price ($)

Monthly Rent ($)

Rehab Cost ($)

Estimated Taxes & Insurance (annual, $)

Other Monthly Expenses ($)

70% Rule

ARV, repairs, profit and costs → maximum allowable, safe, aggressive, and danger offers

After Repair Value (ARV, $)

Repair Cost ($)

Desired Profit ($)

Holding Costs ($)

Selling Costs ($)

Fix & Flip Calculator

Purchase, rehab, ARV, costs, and loan terms → net profit, ROI, offer guidance, and risk

Target Profit ($)

Purchase Price ($)

After Repair Value (ARV, $)

Rehab Cost ($)

Holding Costs ($)

Timeline (months)

Loan-to-Value (LTV, % of purchase)

Interest Rate (annual, %)

Points on Loan (%)

Realtor / Selling Fees (%)

Closing Costs (buy + sell, $)

Other Selling Costs ($)

Wholesaling Calculator

ARV, repairs, assignment fee, and buyer profit target → max offer to seller and deal quality

After Repair Value (ARV, $)

Repair Cost ($)

Assignment Fee ($)

Buyer Profit Target ($)

Mortgage Calculator

Investor‑focused mortgage with extra payments and refinance simulation

Loan Amount ($)

Interest Rate (%)

Term (years)

Extra Payment ($/mo)

Refi after (years)

Refi Rate (%)

Refi Term (years)

Rehab Estimator

Cost per sq ft + detailed line items → total rehab cost and warnings

Property size (sq ft)

Cost per sq ft ($)

ARV (optional, $)

Kitchen ($)

Bathrooms ($)

Flooring ($)

Roof ($)

HVAC ($)

Electrical ($)

Windows ($)

Paint ($)

Foundation ($)

Exterior ($)

Contingency (%)

BRRRR Calculator

Buy, Rehab, Rent, Refinance, Repeat → cash left in, cash out, and infinite return detection

Purchase Price ($)

Rehab Cost ($)

Holding Cost ($)

ARV ($)

Refi LTV (%)

Rent ($/mo)

Monthly Expenses ($)

Refi Rate (%)

Refi Term (years)

Rental Property Calculator

Full analysis: cash flow, CoC, cap rate, IRR, wealth creation, break-even rent, and deal score.

Purchase

Purchase Price ($)

Use Loan?

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Closing Cost ($)

Need Repairs?

Repair Cost ($)

Value After Repairs ($)

Operating Expenses (annual)

Property Tax ($)

Insurance ($)

HOA ($)

Maintenance ($)

CapEx Reserve ($/yr)

Other Costs ($)

Income

Monthly Rent ($)

Other Monthly Income ($)

Vacancy Rate (%)

Management Fee (%)

Hold & Sell

Value Appreciation (%/yr)

Holding Length (years)

Cost to Sell ($)

Wealth Growth

Cash Flow by Year

Expense Breakdown

Airbnb Calculator

Nightly rate, occupancy, and costs → cash flow, CoC, cap rate, and minimum profitable nightly rate

Purchase Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Nightly Rate ($)

Occupancy (%)

Cleaning per stay ($)

Mgmt (% of revenue)

Supplies ($/mo)

Utilities ($/mo)

Taxes & Insurance (annual, $)

Airbnb Calculator

Quick answer

Net STR cash flow = gross bookings − platform/host fees − cleaning − supplies − extra utilities − insurance uplift − debt service. Model occupancy off trailing comps in your season, then cut it 10–15 points—if the deal dies, it was never there.

For a related estimate, see Cap Rate Calculator.

Explore further: Cash On Cash Return Calculator · Dscr Calculator

Breakeven nightly (concept)

Monthly fixed costs (PITI, insurance, baseline utilities) + variable costs per stay + fees = required gross. Divide by booked nights to get breakeven ADR before profit. Excluded: income tax, furniture depreciation, and regulatory fines—real, but outside a quick cash-flow line.

Explore further: Brrrr Calculator · Price Per Square Foot Calculator

Short-term rentals stack volatile gross revenue on top of the same fixed housing costs as long-term rentals—mortgage, insurance, taxes—plus STR-specific churn. Use it when you are deciding whether STR premium survives fees, cleaning, and your own time versus a 12-month lease.

How to use this calculator

Build revenue from booked nights: ADR × nights booked × 12, adjusted for seasonality—not “what similar listings ask.”
Load variable opex honestly: Turnover cleans, restocking, higher maintenance, and local taxes hit STR harder than LTR—use real invoices, not guesses.
Price your time: If you self-manage, either pay yourself a wage in the model or admit the return is partly a job.

STR premium vs operational load

Gross can be 30–80% higher than LTR in some markets; net after time and churn often shrinks that gap to single digits.

Real-world examples

Case study: $185 ADR, 62% occupancy: ~18.6 booked nights/mo → ~$3,440 gross. Platform + host fees 16% → ~$2,890. Cleaning $375, supplies $120, extra utilities $95 → ~$2,300 before mortgage. PITI $2,050 → ~$250/mo before reserves and income tax—one bad month of reviews or a regulation change erases that.
Occupancy 62% → 50%: Same ADR—revenue drops ~19%; fixed costs do not. That is why STR underwriting uses downside occupancy, not Instagram peak season.

What to decide

If net STR beats long-term rental cash flow only at peak season and 70%+ occupancy, you are running a seasonal business, not passive income. Regulation risk (HOA, city caps) belongs in the go/no-go, not a footnote.

FAQ

What occupancy should I use?

Use a trailing range from comparable listings in your seasonality bucket—70% in one market can be fantasy in another.

Are STR expenses higher than long-term?

Usually—turnover, cleaning, utilities, and platform fees stack up; compare against long-term [rent vs buy](/rent-vs-buy-calculator) holding scenarios when you are on the fence.

Do regulations matter?

Yes—HOAs, zoning, and permit rules can zero out modeled revenue; legal use is an input, not an afterthought.

How do I compare STR to a long-term lease?

Normalize net income after all fees and management, then stress vacancy up 10–15 points—if the premium disappears, the STR edge was fragile.

Cap Rate

Capitalization rate: NOI ÷ purchase price

Annual NOI ($)

Purchase Price ($)

Cash Flow

Monthly income minus expenses and debt service

Monthly Income ($)

Monthly Expenses ($)

Monthly Debt Service ($)

Cash-on-Cash Return

Annual cash flow ÷ total cash invested

Annual Cash Flow ($)

Total Cash Invested ($)

DSCR

Debt service coverage ratio: NOI ÷ annual debt service

Annual NOI ($)

Annual Debt Service ($)

Sell vs Keep

Compare wealth if you sell now vs keep renting, with appreciation and loan paydown

Current Value ($)

Current Mortgage Balance ($)

Monthly Rent ($)

Monthly Expenses ($)

Rent Growth (%/yr)

Years to Compare

Appreciation (%/yr)

Selling Costs (%)

Capital Gains Tax (%)

Deal Comparison & Dashboards

Compare saved rental and flip scenarios side by side

Saved scenarios

Compare with

Optional third

Scenarios come from Rental Property Calculator, Fix & Flip Calculator, BRRRR, Airbnb, and other Real Estate tools that save deals.

Rent Pricing Intelligence

Required rent for break-even, 8% or 10% cash-on-cash, and market risk.

Property & Financing

Purchase Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Operating Expenses (annual $)

Tax + Insurance + HOA + Maint ($)

Vacancy (%)

Management Fee (%)

Lease Profitability Simulator

10-year projection with rent escalation and expense growth.

Starting Monthly Rent ($)

Annual Rent Increase (%)

Starting Monthly Expenses ($)

Expense Growth (%/yr)

Vacancy (%)

Vacancy Risk Calculator

True vacancy cost and risk-adjusted return.

Annual Rent ($)

Avg Vacancy Duration (months)

Turnover Cost ($)

Marketing Cost ($)

Turnovers per Year

Property Expense Benchmark

Compare your ratios: maintenance, CapEx, tax, insurance → Healthy / Risky / Overleveraged

Monthly Rent ($)

Maintenance ($/mo or % of rent)

CapEx Reserve ($/mo)

Property Tax ($/mo)

Insurance ($/mo)

Monthly Debt Service ($)

Portfolio Analyzer

Aggregate 2–20 properties: total return, DSCR, leverage, net worth impact

Properties (add up to 20)

Name

Monthly CF ($)

Value ($)

Debt ($)

Annual NOI ($)

Name

Monthly CF ($)

Value ($)

Debt ($)

Annual NOI ($)

Enter at least 2 properties. Leave value/debt at 0 if unknown; portfolio return uses cash flow only.

Loan & Mortgage

Big financial decisions — conventional, FHA & VA loans with taxes, insurance, PMI/MIP, payoff, refinance and APR views.

Home & Rent Affordability

Big financial decisions — how much house or rent you can afford: income and debt → max home price or max monthly rent. Combines house affordability, rent affordability, and DTI.

Affordability type

I want to see

How much house I can afford (buy) How much rent I can afford (rent)

Income & debt

Annual household income ($)

Monthly debt payments ($)

Loan & costs

Loan term (years)

Interest rate (APR %)

Down payment (%)

Property tax (% of price/yr)

Home insurance ($/yr)

HOA ($/yr)

DTI rule

Qualification rule

Reverse: target home price

Target home price ($, optional)

Comparison

What if income were ($/yr)

Price tiers

Monthly payment at max price

Required income (target price)

Financial health

Approval strength

Lifestyle impact

Down payment

Income comparison

Budget breakdown

Home Equity & HELOC

Big financial decisions — available equity, Home Equity Loan vs HELOC comparison, costs over time, stress tests, and a clear recommendation.

Your home

Current home value ($)

Mortgage balance ($)

LTV lenders will use (%)

Borrow amount ($)

Use max available equity

Home Equity Loan

Interest rate (%)

Term (years)

Closing costs ($)

HELOC

Interest rate (%)

Draw period (years)

Repayment period (years)

Closing costs ($)

Annual fee ($)

Best loan payment plan

HELOC draw & repayment

Total cost over time

Net cash & equity

Payment stress test

HELOC sensitivity

Equity vs loan balance

Payment timeline

Recommendation

House Flipping Profit

Purchase, repair, sell price, and costs → profit and ROI.

Purchase Price ($)

Repair / Rehab ($)

Selling Price ($)

Holding & Selling Costs ($)

Down Payment

Purchase price and down % → down payment amount.

Purchase Price ($)

Down Payment (%)

Closing Cost

Estimate closing costs from purchase price or loan amount.

Purchase Price ($)

Closing Cost (%)

Price per Square Foot

Price and square footage → $/sq ft (or enter $/sq ft to get price).

Price ($)

Square Feet

1031 Exchange Calculator

Estimate tax-deferred exchange: relinquished and replacement property, boot, and deferred gain.

Relinquished property (sold)

Sale price ($)

Adjusted basis ($)

Selling costs ($)

Depreciation recapture ($)

Replacement property (bought)

Replacement price ($)

Mortgage on relinquished ($)

Mortgage on replacement ($)

Tools by category

Airbnb Calculator

Quick answer

Breakeven nightly (concept)

How to use this calculator

STR premium vs operational load

Real-world examples

What to decide

FAQ

Rent vs Buy Analyzer

Timing

Home purchase

Financing

Ownership costs

Rent assumptions

Tax & investing

Financing details

Ownership, moves & downside

Rent-side options

Tax & deduction details

Scenarios & risk

A universe of useful calculators and tools

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Broad coverage

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