Real estate calculators
Compare properties on the numbers that matter: yield, cash flow, cost of ownership and return. You enter the prices and rates, and every assumption is shown.
Buying a home
- House Affordability CalculatorEstimate the home price you can afford from your income, debts, down payment and mortgage rate using housing and total-debt ratio limits you can adjust.
- Rent vs Buy CalculatorCompare buying a home with renting and investing the difference: your net worth under each choice after any number of years, and the year buying pulls ahead.
- Rent vs Own Cash Flow CalculatorCompare the cash you pay out each month and year to rent versus own: mortgage, tax, insurance, upkeep and fees against rent, with the year the lines cross.
Buying costs
- Stamp Duty Estimate CalculatorEstimate stamp duty or property transfer tax with the rates you enter: a flat rate, marginal bands or a whole-value slab, plus registration and other fees.
- Closing Cost Estimate CalculatorAdd up lender fees, points, appraisal, title, legal, recording, transfer tax and prepaids to estimate closing costs and the cash you need at closing.
Commercial property
Costs & fees
- Property Management Fee CalculatorAdd up a property manager’s fees: a percentage or flat monthly fee, tenant-placement and renewal fees, extras and tax, as a share of the rent.
- Property Maintenance Reserve CalculatorPlan a repair reserve for a home or rental by percentage of value, by floor area, or by listing components with their replacement cost and remaining life.
- Property Tax Estimate CalculatorEstimate annual property tax from market value, assessment ratio, exemptions and the tax rate you enter, as a percentage or in mills, plus fixed charges.
- Real Estate Commission CalculatorWork out the commission on a home sale, how it splits between listing and buyer sides and between agent and broker, any tax on it, and the seller’s net.
Investment property
- Rental Property CalculatorAnalyse a buy-to-let or rental property: monthly cash flow after the mortgage, net operating income, cap rate, gross yield and cash-on-cash return.
- Debt Service Coverage Ratio CalculatorCalculate a property’s debt service coverage ratio from rent, vacancy, expenses and loan terms, and the largest loan that meets your target DSCR.
- Property Flip Profit CalculatorEstimate the profit on a fix-and-flip from purchase, renovation, holding, finance and selling costs, with return on cost, cash ROI and annualised return.
- Property Portfolio Allocation CalculatorList your properties with value, loan and net income to see each one’s share of value and equity, its LTV and return, and the portfolio totals.
Land & area
- Land Plot Area CalculatorFind the area of a rectangular, triangular or irregular four-sided plot, or any shape from corner coordinates, in m², sq ft, acres and hectares.
- Land Area Unit ConverterConvert land area between acres, hectares, square feet and metres, ares, cents, gunthas, grounds, tsubo, rai, mu, dunams and feddans.
Land & development
- Built-Up Area Ratio CalculatorWork out the floor area ratio (FAR or FSI) and ground coverage of a plot, and how much more you could build under the FAR limit you enter.
- Construction to Property Value CalculatorCompare the full cost to build (land, construction, soft costs, contingency, finance) with the completed value to see value created, profit on cost and LTC.
Leases & rent
- Rent Escalation CalculatorSee how a lease rent escalates by a fixed percentage or amount at set intervals, the final rent and the total rent payable over the lease.
- Prorated Rent CalculatorProrate rent for a partial month by days occupied, using actual days in the month, a 365-day year or a 30-day month, for move-in or move-out.
Mortgages & financing
Operating metrics
- Vacancy Rate CalculatorCalculate a property’s vacancy rate by vacant units, by vacant unit-days over a period, or economically by rent lost, with occupancy and rent lost.
- Rent Collection Rate CalculatorMeasure rent collected against rent billed for a period, the delinquency rate, an overall rate including arrears, and the arrears carried forward.
Ownership costs
- Housing Society Maintenance CalculatorEstimate a flat’s monthly society maintenance from a rate per sq ft or a share of society expenses, plus sinking fund, parking and non-occupancy charges.
- Property Insurance Replacement Value CalculatorEstimate a building’s rebuild (replacement) value for insurance from area and build cost, then check your sum insured against a coinsurance or average clause.
Property investment
Rental returns
- Gross Rental Yield CalculatorWork out a property’s gross rental yield from its price and rent, plus the price-to-rent ratio, to compare listings quickly before costs.
- Net Rental Yield CalculatorCalculate net rental yield: rent collected after vacancy, management, tax, insurance and upkeep, divided by the price plus buying costs.
- Cap Rate CalculatorFind a property’s capitalization rate from income, vacancy and operating expenses, and the value its NOI supports at your target cap rate.
- Cash-on-Cash Return CalculatorWork out cash-on-cash return on a rental: yearly pre-tax cash flow after loan payments divided by the down payment, closing costs and repairs.
Renting
- Rent CalculatorEstimate an affordable monthly rent from your gross income and existing debt payments, using rent-to-income and total-debt limits you can adjust.
- Rental Deposit Interest CalculatorWork out the interest earned on a tenant’s security deposit at the rate you enter, any share the landlord may keep, and the refund after deductions.