Property and Home Tools
Calculators for property owners, landlords, and home buyers.
9 tools available
Rental Property Profit Calculator
Calculate monthly cash flow, cap rate, and cash-on-cash return for any rental property.
Rent vs Buy Calculator
Compare the true total cost of renting versus buying over any time horizon. Includes equity, appreciation, and opportunity cost.
Property Flip Profit Calculator
Calculate net profit, ROI, and annualised return on a house flip including all hidden costs.
Renovation ROI Calculator
Estimate the ROI on a home renovation before you commit. Includes contingency budget and expected value increase.
Airbnb Profit Calculator
Calculate monthly Airbnb net income from nightly rate, occupancy, platform fees, cleaning costs, and running expenses.
Mortgage Affordability Calculator
Find your maximum home price based on income, debts, down payment, and the 28/43 DTI rules lenders use.
Cash Needed to Buy Property
Calculate the total cash required to buy a property: down payment, closing costs, inspection, moving, repairs, and emergency reserves.
Property Holding Cost Calculator
Calculate the total cost of holding a property for any number of months. Essential for flippers, vacant property owners, and investors.
Mortgage Refinance Break-Even Calculator
Find out how long it takes for a mortgage refinance to pay for itself and how much you save over the life of the loan.
About Property and Home Tools
Property decisions involve more numbers than almost any other financial choice - and more ways for those numbers to be misunderstood. These free property calculators cover the full range: from working out whether a rental property will cash-flow positively after mortgage, taxes, insurance, and vacancies, to calculating the true break-even year on a rent vs buy comparison that accounts for appreciation, opportunity cost, and equity growth. Whether you are a first-time buyer, a buy-to-let investor, a house flipper, or an Airbnb host, the tools here give you the actual numbers - not just the optimistic ones. All calculations run in your browser and no data is stored.
Who uses these tools?
- Buy-to-let investors calculating monthly cash flow, cap rate, and cash-on-cash return before making an offer
- First-time buyers deciding whether to rent and invest the deposit or buy now
- House flippers stress-testing a deal with realistic renovation costs, holding costs, and selling fees
- Airbnb hosts checking whether short-term renting outperforms a long-term lease
- Homeowners deciding whether a kitchen or bathroom renovation will recover its cost at resale
- Buyers planning how much cash they need beyond just the deposit
Frequently asked questions
- What is cap rate and why does it matter for rental property?
- Cap rate (capitalisation rate) is the annual net operating income (NOI) of a property divided by its purchase price, expressed as a percentage. NOI is rent minus operating expenses, excluding mortgage payments. A 5% cap rate means the property generates 5 cents of operating income for every dollar invested. Cap rate is useful for comparing properties regardless of how they are financed - a property bought with cash and one with a mortgage have the same cap rate, but different cash flows.
- Is the rent vs buy calculator accurate?
- The rent vs buy calculator uses standard financial modelling - amortisation for loan balance, compound growth for appreciation and investment returns, and year-by-year cost accumulation. The output is mathematically correct for the assumptions you enter. The key variables to think carefully about are the appreciation rate and the investment return rate (opportunity cost of the down payment) - small changes in these have a large effect on the break-even year.
- Do these property calculators include local tax rules?
- No. Property tax rates, stamp duty, capital gains tax, rental income tax, and depreciation rules vary significantly by country, state, and municipality. The calculators use the figures you enter. For the accurate tax treatment of your specific property, consult a qualified tax adviser or accountant.