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 ($)

Cash-on-Cash Return

Annual cash flow ÷ total cash invested

Annual Cash Flow ($)

Total Cash Invested ($)

Cash-on-cash Return Calculator

Quick answer

CoC = annual pre-tax cash after debt service ÷ total cash invested. Leverage lifts CoC when rent is stable—but the same loan amplifies pain when rent dips. If CoC looks great only because you left reserves out of the denominator, fix the denominator.

For a related estimate, see Rental Cash Flow Calculator.

Explore further: Airbnb Calculator · Brrrr Calculator

Formula

Cash-on-cash return ≈ (NOI − annual debt service) ÷ cash invested. NOI excludes financing; debt service includes P&I (and escrow if paid with the loan). Excluded: loan proceeds not yet deployed, paper returns, and principal paydown (equity accrual, not cash income).

Explore further: Price Per Square Foot Calculator

Cash-on-cash is pre-tax cash remaining after debt service, divided by cash you wired in—down payment, closing, rehab out of pocket, and real reserves if you count them as invested. Use it to compare two levered deals on the same footing; pair with cap rate so you see unlevered yield and levered equity yield together.

How to use this calculator

Use one definition of “cash in”: Partners, earn-outs, and seller credits blur what you actually risk—align with what left your bank account.
Label pre-tax clearly: Depreciation can make taxable income look better or worse than cash—CoC is a cash story unless you say otherwise.
Recompute after refi: Cash-out increases equity in the denominator if proceeds sit in the account; if you redeploy, it is a different investment.

High CoC can hide skinny reserves

A 20% CoC that dies on one month of vacancy was never 20%—it was borrowed timing luck.

Real-world examples

Case study: two exits: Deal A: $11,400 cash after debt on $76,000 in → ~15% CoC. Deal B: $15,000 on $125,000 → 12%—more dollars, lower percentage. If A needs heavy management and B is passive, the “lower” CoC may buy better sleep; if A is thin on capex, the headline is fake.
Cash-out refi: You pull $40k cash but leave it in checking—denominator rises, cash flow unchanged → CoC falls even though operations did not improve. Decide whether that cash is still “in” the deal or funding something else.

What to decide

If CoC beats your cost of capital (including your best alternative use of that cash) with room for a vacancy quarter, leverage is doing its job. If it only works at peak rent, you are levered beta on a thin margin—stress DSCR and downside rent before you celebrate.

FAQ

What counts as cash invested?

Down payment, closing, rehab out of pocket, and any reserves you actually deploy—exclude hypothetical future draws unless you model them.

Why can cash-on-cash differ from cap rate?

Cap rate is unlevered (NOI ÷ price); cash-on-cash is after debt service divided by equity—leverage magnifies or crushes the percentage.

Pre-tax or after-tax?

Most back-of-napkin CoC is pre-tax; after-tax depends on depreciation, your bracket, and exit—label which you mean.

Is a high CoC always the goal?

Not if it comes from razor-thin reserves or fantasy rent—sustainable CoC beats a heroic number that breaks on the first vacancy.

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

Cash-on-cash Return Calculator

Quick answer

Formula

How to use this calculator

High CoC can hide skinny reserves

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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