Real Estate Investment Calculators | Lofty

About Lofty

Lofty is a fractional U.S. real estate investing platform where visitors can browse property shares, learn about rental property investing, review calculators and guides, and access support for marketplace orders and account activity.

Real Estate Calculators

Free real estate calculators for cash flow, ROI, and mortgage analysis.

Start with rental ROI Browse Lofty properties

What is a real estate calculator?

Real estate calculators are free tools that estimate cash flow, ROI, cap rate, mortgage payments, and long-term returns for rental, Airbnb, and investment properties. Investors use them to screen deals quickly before doing full underwriting.

Pick a calculator

Cash flow and ROI\

Rental Property Calculator \ Estimate rental property cash flow, ROI, cap rate, cash-on-cash return, DSCR, and 30-year projections for a long-term rental.
\

Short-term rental returns\

Airbnb Calculator \ Estimate Airbnb revenue, expenses, cash flow, RevPAN, break-even occupancy, and ROI for a short-term rental.
\

Hold-period returns\

Real Estate Investment Calculator \ Project investment property profit, annualized ROI, equity multiple, and IRR-style returns over a hold period.
\

Monthly payment estimate\

Mortgage Calculator \ Estimate principal, interest, taxes, insurance, HOA, PMI, and a year-by-year amortization schedule.
\

Defer capital gains tax\

1031 Exchange Calculator \ Estimate the federal capital gains, depreciation recapture, NIIT, and state tax that a 1031 exchange may defer when you sell a rental or investment property.
\

Unleveraged yield\

Cap Rate Calculator \ Calculate cap rate, NOI, effective gross income, expense ratio, gross rental yield, and the 1% rule for any rental property.
\

Break-even analysis\

Rent vs Buy Calculator \ Compare the full cost of renting vs buying a home year by year, including opportunity cost, equity buildup, and sale proceeds, to find your break-even year.
\

Buy, rehab, rent, refinance, repeat\

BRRRR Calculator \ Model a BRRRR deal end to end: cash left in the deal after refinance, capital recovered, post-refi cash flow, DSCR, and cash-on-cash return.
\

Flip profit and ROI\

Fix and Flip Calculator \ Estimate fix and flip net profit, ROI, annualized return, the 70% rule maximum offer, financing costs, and break-even sale price.
\

How much can I rent my house for?\

Rent Estimate Calculator \ Estimate how much your house can rent for using home value, rent-to-value ratios, and condition adjustments, with a low, mid, and high monthly range.
\

Return on invested cash\

Cash-on-Cash Return Calculator \ Calculate cash-on-cash return from your down payment, closing costs, rent, expenses, and mortgage payment, with annual and monthly cash flow.
\

Annual deduction and tax savings\

Rental Property Depreciation Calculator \ Calculate annual rental property depreciation, first-year mid-month deduction, depreciable basis, and yearly tax savings over the 27.5-year recovery period.
\

Debt service coverage\

DSCR Calculator \ Calculate DSCR (debt service coverage ratio), annual NOI, debt service, the maximum loan at 1.25x coverage, and cash flow after debt.
\

Section 121 exclusion\

Home Sale Capital Gains Calculator \ Estimate capital gains tax on selling your primary residence, including the $250K/$500K Section 121 exclusion, depreciation recapture, and net proceeds.
\

Real estate metrics and formulas at a glance

Metric Formula When to use it
Cap rate Annual NOI / purchase price Compare unleveraged property income across markets.
Cash-on-cash return Annual cash flow / cash invested Measure annual yield on the cash you put into the deal.
NOI Effective rent − operating expenses Calculate income before debt service.
DSCR Annual NOI / annual debt service Show whether NOI covers mortgage payments with cushion.
1% rule Monthly rent / purchase price Quick screen on whether rent is high enough versus price.
50% rule 50% of gross rent → operating expenses Rule of thumb for expenses before you have actuals.
70% rule (flips) 70% × ARV − rehab cost Maximum offer on a fix-and-flip given after-repair value.
RevPAN ADR × occupancy Core revenue-per-available-night metric for short-term rentals.
Equity multiple (Cash invested + total profit) / cash invested Total dollars returned per dollar invested over a hold.
Annualized ROI ((1 + total ROI)^(1/years)) − 1 Yearly equivalent of a multi-year hold-period return.

Which real estate calculator should you use?

Real estate calculator FAQs

What is the most useful real estate calculator for new investors?

For most new investors, a rental property calculator is the most useful starting point. It combines cash flow, cap rate, cash-on-cash return, and DSCR in one place, which covers the questions almost every buyer needs to answer before making an offer on a long-term rental.

How accurate are real estate investment calculators?

Calculators are only as accurate as their inputs. Use realistic rent comps, vacancy, taxes, insurance, repairs, and management fees. Stress-test by lowering rent and raising expenses by 10% to 20% to see if the deal still works in a softer market.

What numbers do I need to use a rental property calculator?

You need purchase price, monthly rent, monthly operating expenses, vacancy rate, property management fee, plus loan terms (down payment, interest rate, and loan term). The more accurate your inputs, the more accurate the cash flow, cap rate, and cash-on-cash return.

How is an Airbnb calculator different from a rental property calculator?

An Airbnb calculator works in revenue terms (average daily rate and occupancy) instead of monthly rent. It also has to account for cleaning, platform fees, and higher management fees. Long-term rental calculators assume a steady tenant and lower expense ratios.

Are these calculators free?

Yes. Every calculator on Lofty is free, requires no signup, and runs entirely in your browser. We do not save your inputs or send them anywhere. If you want to share a scenario, every page has a Share scenario button that copies a link with your numbers.

Don't want to buy a whole property?

Lofty lets investors browse fractional U.S. rental properties with listed cash flow, rent history, and projected returns. Buy in for as little as $50 instead of a full down payment.