About RealFinHQ
Built for investors who do their own math.
Built by Michael — Real Estate Finance Professional
Founder · RealFinHQ · support@realfinhq.com
RealFinHQ was built out of frustration with calculator sites that bury correct formulas behind email gates, upsells, and lead forms. Every tool here is built using the same formulas used by commercial real estate lenders, appraisers, and institutional investors — DSCR as NOI ÷ Debt Service, cap rate as NOI ÷ Price, MACRS straight-line depreciation per IRS Publication 527.
All formulas are shown explicitly so you can verify every output. All calculations run in your browser — nothing is sent to a server. Last updated: March 2026.
Why RealFinHQ Exists
Most real estate calculator sites are built to capture your email, pitch you on software, or lead you to a mortgage broker. We built RealFinHQ because serious investors need tools that just work — with correct formulas, clean interfaces, and zero friction.
Whether you're analyzing a rental property for the first time or stress-testing your tenth deal, the numbers should be right. We show the formulas, the worked examples, and the IRS rules — so you can trust what you're looking at.
Fast
Results update in real time as you type. No submit button needed.
Private
Nothing is saved or transmitted. All calculations happen in your browser.
Free
No signup, no paywall, no credits. All 11 tools are permanently free.
Formulas & Methodology
Net Operating Income ÷ Annual Debt ServiceStandard lender underwriting — Fannie Mae, Freddie Mac guidelines
NOI ÷ Property Value × 100NCREIF / commercial appraisal standard
Annual Cash Flow ÷ Total Cash Invested × 100Standard real estate investor metric
Depreciable Basis ÷ 27.5 yearsIRS Publication 527, MACRS straight-line
Depreciable Basis ÷ 39 yearsIRS Publication 946, MACRS straight-line
ARV × 0.70 − Repair CostsStandard fix-and-flip investor heuristic
Disclaimer
RealFinHQ calculators are for educational and informational purposes only. Results are mathematical outputs based on the inputs you provide — they do not constitute financial, investment, tax, or legal advice. Always consult with qualified professionals before making investment decisions. Tax-related calculators (depreciation, 1031 exchange, rental income tax) are estimates only; consult a CPA for advice specific to your situation.