Free Real Estate Finance Calculators

Calculate capitalization rate from purchase price and NOI, or reverse-engineer a property's implied value from a market cap rate.

• ✓ Cap rate from price + NOI
• ✓ Implied value from cap rate
• ✓ GRM & gross yield
• ✓ Market context comparison

Calculate your Debt Service Coverage Ratio with a P&I or PITIA toggle. Know if your property qualifies for a DSCR loan before you apply.

• ✓ DSCR with P&I or PITIA
• ✓ Approval status + rate guidance
• ✓ Lender benchmark table
• ✓ Improvement tips

Monthly and annual cash flow after vacancy, operating expenses, and full PITI debt service. See the exact income statement.

• ✓ Monthly & annual cash flow
• ✓ Vacancy adjustment
• ✓ Full income statement
• ✓ NOI calculation

Exact P&I payment using the amortization formula, plus PITI breakdown with taxes, insurance, and HOA. Includes full schedule.

• ✓ P&I & PITI breakdown
• ✓ Full amortization schedule
• ✓ Total interest paid
• ✓ Any loan term

Calculate cash-on-cash return and total ROI including optional principal paydown and appreciation. Side-by-side comparison.

• ✓ Cash-on-cash return
• ✓ Total ROI with equity & appreciation
• ✓ All-in cash invested
• ✓ Conservative vs. optimistic view

Calculate your annual IRS depreciation deduction, first-year partial deduction, tax savings, and full 27.5-year MACRS schedule for residential rental property.

• ✓ Straight-line MACRS depreciation
• ✓ First-year partial deduction (mid-month)
• ✓ Annual tax savings estimate
• ✓ Full depreciation schedule

Should you refinance? Calculate your monthly savings, break-even point, and total lifetime interest saved versus your current loan.

• ✓ New vs. current monthly payment
• ✓ Break-even months
• ✓ Total interest comparison
• ✓ Roll closing costs toggle

Calculate your max offer price with the 70% rule, full all-in cost breakdown, net profit, ROI, and annualized return on any flip deal.

• ✓ 70% rule max offer
• ✓ All-in cost breakdown
• ✓ Net profit & ROI
• ✓ Annualized return

Estimate capital gains tax deferred, calculate boot, verify replacement property requirements, and review the 45-day and 180-day deadlines.

• ✓ Capital gain & depreciation recapture
• ✓ Boot calculation
• ✓ Tax deferred estimate
• ✓ Requirements checklist

Estimate federal and state tax on rental income after all deductions, depreciation shield, and passive activity loss rules — with full income statement.

• ✓ Full rental income statement
• ✓ Passive activity loss rules
• ✓ Depreciation tax shield
• ✓ After-tax cash flow