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, $)

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 ($)

Rental Cash Flow Calculator

Quick answer

Monthly cash flow ≈ effective gross rent − operating expenses − P&I (and escrows if you pay them). If you skip vacancy, turnover, or capex reserves, you are not measuring cash flow—you are measuring hope.

For a related estimate, see Cap Rate Calculator.

Explore further: Cash On Cash Return Calculator · Airbnb Calculator

What is included

Operating expenses: management, taxes, insurance, repairs, utilities you pay, HOA, and turnover. Debt service: P&I plus any escrowed taxes/insurance if you pay them with the loan. Excluded: principal paydown as “income,” depreciation, and your time—those matter for equity and tax, not monthly liquidity.

Explore further: Brrrr Calculator · Price Per Square Foot Calculator

Levered cash flow is what hits your account after operating expenses and debt service—the number that actually pays your life or your next deal. Use it when you are comparing two financed acquisitions, sizing reserves, or judging whether a refi helped or just stretched the amortization.

How to use this calculator

Underwrite vacancy on seasonality: Student markets and winter STRs need more than one flat annual %—model the worst quarter.
Include debt service you will actually pay: ARM resets, IO expiring, and tax-escrow changes move the cash line without rent moving.
Book capex as cash out: A $6k HVAC bill is not “non-recurring” if it recurs every decade—amortize it into monthly reserves.

Positive cash flow vs “good investment”

You can have positive cash flow and a bad investment (overpaid, declining market) or thin negative with strong value-add—label the thesis.

Real-world examples

Case study: $2,850/mo rent, $1,980/mo all-in: EGI $2,850; opex $640 (taxes, ins, mgmt, 5% vacancy reserve); P&I $1,340 → ~−$130/mo before capex reserves. Add $200/mo reserves → ~−$330/mo. If the play is appreciation, say so; if the play is yield, you need higher rent or lower basis.
Refi: −$210/mo P&I: Same rent—cash flow swings positive by $210 without any operational improvement. That is why refi analysis belongs next to rent analysis—payment changes can mask weak operations.

What to decide

If you are negative at realistic vacancy and reserves, the deal is either a value-add story or a pass—there is no third “it will work out” category. If you are barely positive, map how many months of that surplus rebuild one month of vacancy. Cross-check DSCR and rent vs buy if you live in the unit.

FAQ

Should cash flow be positive day one?

Many operators want it; others accept early negative flow for heavy value-add—either way it must be intentional, not a spreadsheet accident.

Where do investors miss expenses?

Vacancy, turnover, management, and irregular capex (roof, HVAC) are the usual gaps—omitting them is how “cash flow” becomes hope.

Is mortgage principal included in cash flow?

Principal paydown is not an expense for cash flow in the classic sense, but it is cash leaving your pocket—track levered cash after all outflows.

How often should I recalculate?

After any rent change, tax reassessment, insurance renewal, or refi—your monthly number moves with all of those.

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

Rental Cash Flow Calculator

Quick answer

What is included

How to use this calculator

Positive cash flow vs “good investment”

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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