Real estate · 25 calculators
Real estate calculators
Buy, rent, flip, and hold math with every line-item cost that usually gets skipped — closing, escrow, holding cost, depreciation recapture, ARV, BRRRR, cap rate, cash-on-cash, mortgage refi breakeven.
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The 5 most-used in real estate
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20 more in this category
Mortgage affordability (DTI-based)
Max home price using 28/36 front-end/back-end DTI rules, tax, insurance, and HOA.
Rent vs buy with opportunity cost
Multi-year rent vs buy, including the opportunity cost of tying up a down payment.
Closing cost estimator
Line-item closing costs — lender fees, title, escrow, taxes, recording — as % of purchase price.
HELOC payment calculator
Interest-only draw vs amortizing repay — monthly payment and lifetime interest on a HELOC.
House flip profit estimator
Purchase + rehab + holding + selling — project net profit on a flip at a target ARV.
Short sale vs foreclosure cost
Compare credit hit, deficiency, tax, and time cost of a short sale vs letting it foreclose.
Property tax by state/county
Estimate annual property tax using effective rates for the largest counties in each state.
Home insurance premium estimator
Rough annual homeowners premium from dwelling coverage, location, and deductible choice.
Solar panel ROI calculator
Estimate the all-in payback and lifetime ROI of a residential solar installation including the 30% federal tax credit, SREC income, electricity bill offset, and degradation over 25 years.
Property tax appeal ROI calculator
Decide whether a property tax appeal is worth filing — comparing assessed-value reduction across years saved against appeal cost.
Airbnb vs long-term rental ROI
Compare net annual income from short-term rental (Airbnb / VRBO) vs traditional long-term rental, accounting for occupancy, fees, cleaning, and management.
Home seller net proceeds calculator
Compute what a home seller actually walks away with — sale price minus agent commission, transfer taxes, mortgage payoff, prorated property tax, and closing costs.
1031 exchange tax savings calculator
Quantify the federal capital gains + depreciation recapture tax deferred by a 1031 exchange vs an outright sale.
Vacant land holding cost calculator
Project the all-in annual cost of holding vacant land — taxes, insurance, financing interest, weed abatement, security — to break-even on resale.
HOA special assessment impact
Project the dollar impact + property-value hit of an HOA special assessment, with both upfront and financed-over-time payment options.
ADU construction ROI calculator
Project the ROI on building an Accessory Dwelling Unit — total construction cost, financing impact, rental income, and payback period.
Foreclosure timeline + cost calculator
Project total cost of foreclosure for a homeowner — months of unpaid mortgage, late fees, attorney fees, deficiency exposure, credit score impact estimate.
Home insurance deductible tradeoff
Pick the optimal homeowners insurance deductible — comparing premium savings of a higher deductible against expected claim frequency.
Bi-weekly mortgage calculator
See how switching from monthly to bi-weekly payments produces a 13th annual payment, accelerating payoff by years and saving tens of thousands in interest.
House hacking calculator
Owner-occupant duplex/triplex/fourplex math: total housing cost, rental offset, effective monthly cost, and tax-advantaged cash flow.
FAQ
real estate questions, answered
Q1.What's the difference between cap rate and cash-on-cash return?
Cap rate is NOI divided by purchase price — it's a property-level yield that ignores financing. Cash-on-cash return is annual pre-tax cash flow divided by total cash invested (down payment + closing costs + rehab) — it's an investor-level yield that captures leverage. A 7% cap rate property bought with 75% leverage at a 5% rate produces a much higher cash-on-cash. Use cap rate to compare properties; use cash-on-cash to evaluate whether your specific deal works.
Q2.How does the BRRRR calculator handle the refi step?
It models the four phases — buy, rehab, rent, refinance — with explicit ARV (after-repair value) and refi LTV inputs. The output shows you the cash-out at refi, the cash left in the deal, and the cash-on-cash return on the remaining capital. The key sanity check: cash left in deal should ideally trend toward zero by the third or fourth deal in a true BRRRR cycle.
Q3.When does refinancing actually pay off?
The refi breakeven calculator divides closing costs by monthly savings to get months-to-breakeven. A standard rule is to refi if breakeven is under 24-36 months and you plan to stay longer than that. The calculator also accounts for cash-out scenarios where the math changes — you're not just chasing rate, you're moving equity.
Q4.What does the depreciation-recapture tax calculator handle?
When you sell investment real estate, the IRS recaptures the accumulated depreciation as Section 1250 gain — taxed at up to 25%, separately from capital gains on the appreciation. The calculator splits the sale into the recapture portion and the capital-gain portion so you can see the actual after-tax proceeds and decide between selling outright versus 1031-exchanging.
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