Free Real Estate Investing Calculators

MAO, fix and flip, mortgage, hard money, rental cash flow, cap rate and cash-on-cash. Free, no sign-up.

MAO Calculator

Calculator

A real estate investment calculator for every step of the deal

Every good deal comes down to a few numbers: what the house is worth fixed up, what the repairs cost, and the most you can pay and still make money. These free real estate investing calculators do that math for you, the same way every time, so you can screen a deal in a couple of minutes instead of rebuilding a spreadsheet for each house.

Start with the MAO calculator if you wholesale or flip. It takes the after-repair value (ARV) and your repair estimate and gives you a maximum allowable offer, using the 70% rule or your own percentage and profit target. The house flip calculator goes a level deeper: it adds selling costs, holding costs, closing and hard-money interest, and tells you the highest purchase price that still leaves your minimum profit.

Buying to hold? The BRRRR calculator follows the buy, rehab, rent, refinance, repeat method. Enter the purchase, the rehab, the refinance terms and the rent to see how much cash comes back at the refinance, how much stays in the deal, and the cash flow and cash-on-cash return afterwards. The mortgage, hard money, rental cash flow, cap rate and cash-on-cash calculators at the top of this page cover the rest of a rental analysis.

The repair number is where most deals go wrong, so the rehab estimator builds a budget line by line: pick what the house needs, from the kitchen and baths to the roof, HVAC, flooring, paint and exterior, and it totals the work. Use it to sanity-check a contractor's bid or to price a house before you walk it.

Every one of these tools depends on a good ARV. There is no shortcut around comps: find recent sales close to the house, similar in size and layout, in the condition yours will be in after the work, and be honest about the differences. A deal analyzer is only as good as the ARV you feed it, so when the numbers look too good, the ARV is the first thing to check.

If you would rather not type every number in, Deal Search does it for you on active listings: each scored listing comes with an ARV, a rehab estimate and a max offer already worked out. The calculators here stay free either way, and they are what we use to double-check a deal before an offer goes out.

The calculators

The fix and flip, mortgage, hard money, rental cash flow, cap rate and cash-on-cash calculators run right here at the top of this page: pick one from “Switch Calculator”.

How to analyze a deal in five steps

  1. 1Pin down the ARVThe after-repair value is what the house sells for once it is fixed. Pull sold comps from the last few months, close by and as similar as you can find in size, beds, baths and condition. Everything else is built on this number, so be conservative.
  2. 2Price the rehabWalk the house (or the photos) room by room and price what it needs. The rehab estimator gives you a line-by-line starting budget. Add a contingency for what you cannot see behind the walls.
  3. 3Work out your max offerRun the MAO calculator: ARV times your rule percentage, minus repairs. If you are flipping, check it against the house flip calculator, which adds selling, holding, closing and loan costs.
  4. 4Check the exit you plan to useKeeping it as a rental? Run the BRRRR calculator for the refinance and the cash left in the deal, then the cash flow, cap rate and cash-on-cash calculators on this page.
  5. 5Make the offer, then follow upOffer at or under your max and walk away above it. Most deals are not made on the first call, so put the seller on a follow-up plan the same day.

Frequently asked questions

Are these real estate calculators free?

Yes. Every calculator on this page and the MAO, house flip, BRRRR and rehab estimator pages is free to use, with no sign-up.

What is a real estate investment calculator?

A tool that turns a deal's numbers into a decision: what to offer, what you will make, or what a rental returns. Enter the after-repair value, the rehab, your costs and your rent, and the calculator does the math the same way every time.

How do I calculate ARV?

ARV (after-repair value) comes from recent sold comps: houses close by, similar in size, beds and baths, sold in the last few months, in the condition yours will be in after the rehab. Average the closest matches and adjust for differences. The calculators here take the ARV you enter; Deal Search works it out for you on the listings it scores.

What is the 70% rule?

A quick screen for flips and wholesale deals: your maximum allowable offer is 70% of the ARV minus the repairs. The 30% left covers selling costs, holding costs, financing and profit. Many investors adjust the percentage by market and price point, which the MAO calculator lets you do.

Which calculator should I use for a rental?

Use the BRRRR calculator if you plan to refinance and pull your cash out, and the rental cash flow, cap rate and cash-on-cash calculators on this page to judge the rent against the price.

Can I analyze deals without typing every number in?

Yes. Deal Search scores active listings 0 to 100 and shows the ARV, the rehab estimate and a max offer on every scored listing, with a daily deal-alert email. It comes in the Deal Sherpa Bundle, $49/month (no free trial, billed today).

Get the ARV, rehab and max offer worked out for you

Deal Search, in the Deal Sherpa Bundle, scores active listings 0 to 100 and shows the ARV, the rehab estimate and a max offer on every scored listing, with a daily deal-alert email. $49/month.

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