Tools That Work

Real Estate Investing Calculators

Nine browser-based calculators for every stage of a deal — from quick screening to detailed underwriting. No signup. No paywall. Just math.

Jump to: Mortgage · Rental Cash Flow · BRRRR · Cap Rate · Cash-on-Cash · 1031 Exchange · Fix & Flip · Rule of 72 · Rent vs Buy

🏦 Mortgage Calculator PITI + Total Interest

Compute principal + interest, full PITI, and lifetime interest cost.

Loan Amount
Monthly P&I
Total Monthly Payment (PITI + HOA)
Total Interest Paid
Total of Payments

PITI = Principal, Interest, Taxes, Insurance. Property tax rate varies by county — California averages ~1.1% under Prop 13.

🏠 Rental Property Cash Flow Analyzer Pro-Forma

Full underwriting: NOI, cap rate, cash-on-cash, GRM, 1% rule.

Net Operating Income (NOI)
Annual Cash Flow
Monthly Cash Flow
Cash-on-Cash Return
Cap Rate
Gross Rent Multiplier
1% Rule Score

Closing costs estimated at 3% of price. Adjust mgmt/maint/capex to match your operating model.

🔄 BRRRR Calculator Buy · Rehab · Rent · Refi · Repeat

How much capital do you recover at refinance? What's the post-refi cash flow?

All-In Cost
Cash-Out Refi Loan
Capital Recovery
Cash Left in Deal
Monthly Cash Flow (post-refi)
Cash-on-Cash on Remaining

"Infinite return" appears when the refi pulls out all your invested capital. The classic BRRRR home run.

📊 Cap Rate Calculator Quick Screen

One of the fastest ways to compare commercial-style deals.

Cap Rate
Rating

Cap rate = NOI / Price. Useful for comparable assets in the same market — and meaningless across asset classes.

💵 Cash-on-Cash ROI Calculator Yield on Cash

The annual yield on your actual cash invested — the true investor metric.

Cash-on-Cash Return
Investor Verdict

CoC excludes appreciation and principal paydown. It measures only the cash yield on your invested dollars.

📈 1031 Exchange Estimator Tax Deferred

Estimate the federal capital gains + depreciation recapture + state tax you'd defer with a 1031.

Total Realized Gain
Tax if Sold Outright
Net to Reinvest (Sale)
Net to Reinvest (1031)
Tax Deferred via 1031

Includes 3.8% Net Investment Income Tax. 1031 exchanges have strict 45-day identification and 180-day closing deadlines. Consult a Qualified Intermediary and CPA before acting.

🔨 Fix & Flip Profit Calculator 70% Rule

Forecast your profit, margin, and ROI on a flip — and check it against the 70% rule.

Estimated Profit
Profit Margin
ROI on Total Capital
Max Purchase (70% Rule)

70% rule: Max offer = (ARV × 0.70) − Rehab. A conservative ceiling — flexible by market.

📐 Rule of 72 / Wealth Doubling Calculator Compound Growth

How long until your money doubles? How big does it grow over time?

Years to Double
Future Value
Total Gain

The Rule of 72 is a mental-math shortcut. Real estate's long-term unleveraged return has historically averaged 8–10% including appreciation and cash flow — and significantly higher with leverage.

🤔 Rent vs. Buy Calculator Personal Use

For owner-occupants — should you keep renting or buy?

Total Rent Paid Over Period
Net Ownership Cost (after equity)
Home Value at End
Verdict

Simplified model — doesn't include tax deductions, investment opportunity cost of down payment, or transaction costs on exit. Use as a directional comparison, not a final decision.

Want these as a printable PDF? All calculator outputs can be screenshotted, or head to Resources for downloadable PDF worksheets you can fill out by hand.