Real estate calculators

Estimate your full monthly housing payment: principal & interest, property tax, homeowners insurance, PMI, and HOA.

Principal & interest plus taxes, insurance, PMI

Work backward from income, debts, down payment, and target DTI to an estimated maximum purchase price.

Income and DTI → estimated max home price

Sketch buyer or seller closing costs using a percentage-of-price model. Local transfer taxes and customs vary widely.

Buyer or seller cost range as % of price

Compare cumulative renting costs with the carrying cost of buying over a chosen horizon, including a simple equity estimate.

Multi-year cost and equity comparison

Full amortizing schedule for a fixed-rate loan — payment split, running balance, and cumulative interest.

Month-by-month principal, interest, and balance

Commercial loan payment with optional IO period, amortizing P&I, and annual fees.

Amortizing P&I with optional interest-only

Stabilized capitalization rate built from gross income, vacancy, and operating expenses.

GOI → vacancy → OpEx → NOI ÷ price

Before-tax cash-on-cash return using NOI, amortizing debt service, and total cash invested.

NOI, debt service, equity cash yield

Debt service coverage ratio, pass/fail vs lender minimum, and maximum supportable loan.

NOI ÷ debt service + max loan at min DSCR

Loan-to-value ratio, equity cushion, and maximum loan at a program LTV cap.

Loan-to-value, equity, headroom to max LTV

Operating expense ratio and NOI margin from effective gross income and expenses.

OpEx ÷ EGI and NOI margin

Break-even occupancy percentage where income covers operating expenses and debt service.

Occupancy needed to cover OpEx + debt

Price per square foot, price per unit, and NOI density metrics for comps.

Price & NOI normalized by size

Educational IRR from constant annual cash flows and a terminal equity residual.

Level CFs + exit → IRR & equity multiple

Comprehensive commercial underwriting: income, leverage, DSCR, LTV, cap, CoC, break-even occupancy, exit cap, and hold-period IRR.

Full CRE dashboard: cap, DSCR, CoC, IRR

Calculate before-tax cash flow from rents, vacancy, operating expenses, and debt service.

Income → expenses → monthly & annual BTCF

Compute capitalization rate from NOI and price, plus implied price/NOI at a target cap.

NOI ÷ price with target-cap solvers

Measure annual cash yield on total equity invested after debt service.

Annual BTCF ÷ cash invested

Build net operating income from unit rents, other income, vacancy, and a full expense stack.

Gross income → vacancy → OpEx → NOI

Quick screening multiple for rentals — years of gross rent equal to price.

Price ÷ gross annual rent

Model all-in basis, ARV refinance, cash left in the deal, NOI, and post-refi cash-on-cash.

Buy, rehab, rent, refinance, repeat

Estimate net housing cost and effective return when you live in part of the property and rent the remainder.

Owner-occupy + rent the rest

Comprehensive underwriting: purchase, loan, income, expenses, vacancy — outputs cash flow, cap rate, cash-on-cash, NOI, DSCR, GRM, and a hold-period sketch.

All-in deal dashboard: CF, cap, CoC, NOI, DSCR