Calculators

A free cap rate calculator with GRM, price-to-rent and the operating expense ratio — and it solves backwards for what a property is worth at the cap rate you require.

A free real estate IRR calculator with a year-by-year pro forma, equity multiple and NPV — showing how expense growth outrunning rent growth quietly kills a deal.

A free rent vs buy calculator that scores both sides on net worth — including the return your down payment gives up — and tells you how many years you must stay for buying to win.

A free closing cost calculator itemised for investor loans — where points are charged on the loan, not the price, and are usually the largest single line at the table.

A free DSCR calculator showing both ratios — the one your lender underwrites and the one that includes management, maintenance, reserves and vacancy. Plus the formula and what lenders require.

A free hard money calculator showing the effective annual cost once points and fees are annualised over your actual hold — plus why a shorter hold makes the arithmetic worse, not better.

A free HELOC calculator showing available credit, the interest-only draw payment, and the step up when repayment begins — plus what happens if the variable rate moves.

A free mortgage calculator with the complete month-by-month amortisation schedule, the payment formula written out, and what extra principal actually buys you.

A free refinance break-even calculator showing both numbers — how long until the savings repay the costs, and whether the new loan actually costs less interest than the one you have.

A free seller financing calculator for owner-carry deals — monthly payment, the balloon due at the end of the term, and what the note actually returns the seller.

A free house hacking calculator showing your net monthly housing cost after rent, the break-even rent, and what the property cash flows once you move out.

A free 70% rule and maximum allowable offer calculator that also solves for the offer your target profit actually requires — and shows when the rule of thumb overpays.

A free BRRRR calculator that leads with cash left in the deal after the refinance, shows what happens when the appraisal misses, and explains why cash-on-cash is undefined rather than infinite.

A free rehab cost calculator built around a fixed room-by-room checklist, so the lines you are not doing are a decision rather than an oversight — plus per-square-foot benchmarks and contingency guidance.

A free Airbnb and STR calculator with seasonal rates, break-even occupancy, and cleaning costed per booking rather than per night — the error that flatters most STR spreadsheets.

A free syndication waterfall calculator modelling return of capital, preferred return and the promote — showing the sponsor's real share of profit, not the headline split.

A free 1031 exchange calculator covering gain, depreciation recapture and both kinds of boot — cash and mortgage — so a debt shortfall does not surprise you at tax time.

A free cost segregation and depreciation calculator with the full schedule showing where the study and straight-line columns cross — because a study front-loads deductions rather than creating them.

A free rental property depreciation calculator with the partial first year the mid-month convention actually gives you, and the recapture waiting at sale.

A free rental property ROI calculator with cash-on-cash, cap rate and DSCR — plus what each number means, which expenses beginners omit, and how to stress test a deal.