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Real Estate and Other Calculators

Quality calculators for real estate professionals and personal finance enthusiasts. Calculate mortgage payments, amortization schedules, seller financing terms, balloon payments, and more — completely free.

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Cash & Creative Offer Calculators

Companion tools for every deal. Run the cash number to set a floor, then run the creative number to see how much higher you can go with seller-financing terms.

Cash Offer

Instant Cash Offer Calculator

Calculate a cash offer price instantly using as-is property values — no comps or repairs needed.

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Creative Offer

Instant Creative Offer Calculator

Instant creative offer with seller financing and live terms-value math. Companion to the Cash Offer Calculator.

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Financing Calculators

Calculate payments, interest, and terms for various financing structures

Mortgage Calculator with Extra Payments

Calculate monthly mortgage payments and model extra principal payments to see months and interest saved.

ARM Calculator with Extra Payments

Model 5/1, 7/1, and 10/1 ARMs with a flexible rate path and extra principal payments.

Capital Stack Builder

Layer senior debt, mezzanine, seller carry, preferred and common equity into a capital stack, and see each tranche's share, your LTV and LTC, and the blended cost of capital.

Investment Analysis

Analyze returns, cash flow, and deal profitability

Note Appraisal Calculator

Estimate what your seller-financed note is worth to a note buyer using remaining balance and investor yield.

Seller Finance NPV Calculator

Calculate the present value of a seller-financed note at any discount rate.

Seller Finance FV Calculator

Project the future value of seller-financed payments reinvested at any rate.

15-Rental Stagger Strategy Calculator

Model the 15-rental, 15-year-mortgage strategy from Pillars of Wealth and see the tax-free annual income from refinancing one paid-off rental per year.

DSCR Calculator

Check a rental's debt service coverage ratio against a lender's minimum, with both DSCR-loan (rent ÷ PITIA) and commercial (NOI) methods.

Cap Rate Calculator

Get a property's NOI and capitalization rate from price and rent, then check it against a target cap rate to see the value the income supports.

Cash-on-Cash Calculator

Get a rental's annual cash flow and cash-on-cash return from price, down payment, rent, and loan terms — with the cap rate shown alongside to reveal positive or negative leverage.

Loan Sizing Calculator

Size the largest loan a rental or commercial property supports across the DSCR, LTV, and debt-yield tests, and see which constraint is binding and the down payment required.

Planning & Decision Tools

Compare options and make informed real estate decisions

Home Selling Cost Calculator

Estimate total commissions, fees, and closing costs when selling your home.

Underwater Mortgage Calculator

Calculate how much you could save by letting a buyer take over your underwater mortgage.

Rent vs Buy Calculator

Compare the full cost of renting vs buying in today's dollars and find your breakeven year.

Social Security NPV Calculator

See how many years earlier you can retire by counting Social Security at its true present value.