PropCalc
50+ Free Professional Calculators

PropCalc
The property toolkit
built for every investor

Professional calculators for buyers, investors, landlords and developers. From mortgage payments to BRRRR analysis — every number you need, in one place.

50+
Calculators
4
Regions
3
Currencies
Free
Always
Who it's for

Property Buyers

Understand what you can afford, compare mortgages, and model stamp duty before you make an offer.

Investors

Analyse rental yield, cash-on-cash returns, ROI and BRRRR strategies with precision before you commit.

Landlords

Track rental income, calculate service charge costs, and stress-test your portfolio against rate rises.

Developers

Run development appraisals, renovation cost estimates, and profit calculations across your entire pipeline.

Why PropCalc

No sign-up required

Every calculator is free and works instantly — no account, no paywall, no credit card.

Multi-region support

UK, US, EU and global calculators with region-specific tax rules and market benchmarks built in.

PDF export

Every result can be exported as a clean, branded PDF — ready to share with brokers, solicitors or partners.

Live calculations

Results update instantly as you adjust sliders — no waiting, no submit buttons, no page reloads.

GBP, USD & EUR

Switch currencies in one click. All figures reformat automatically across every open calculator.

50+ specialist tools

From basic mortgage payments to advanced BRRRR and development appraisals — the full toolkit in one place.

Professional property calculators for every stage of your investment journey

PropCalc brings together over 50 free property calculators covering the full lifecycle of residential and commercial property — from first-time buyer affordability checks and mortgage comparisons through to advanced investment analysis, portfolio stress-testing and development appraisals.

Whether you're calculating stamp duty on a UK purchase, running a BRRRR analysis on a US rental, estimating renovation costs, or modelling a lease extension — PropCalc gives you institutional-grade tools with a clean, fast interface. Every calculator exports to PDF, supports multiple currencies, and works without an account.

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70% Rule Calculator

The investor's golden rule for fix-and-flip deals. Enter the After Repair Value and your estimated repair costs to instantly find the maximum price you should pay — protecting your profit margin before you make an offer.

GlobalFix & Flip
Inputs
MAO = (ARV × Rule%) − Repairs
Results

Flipped 70% Rule

Already know what you paid and what you spent on repairs? Work backwards to find the minimum sale price you need to achieve in order to make the deal stack up. Essential for setting your exit strategy before you list.

Global
Inputs
Min Sale Price = (Purchase + Repairs) ÷ Rule%
Results

Deal Profit Calculator

See the full picture on any property deal. Enter your purchase price, costs, sale price and financing to get a complete profit and ROI breakdown — so you know exactly what you'll walk away with before you commit.

Global
Inputs
Profit = Sale − Selling Costs − (Purchase + Buying + Reno + Finance)
Results

ROI Calculator

Measure your true return on a property investment. This calculator combines rental income, capital appreciation and costs to give you a single, clear return on investment figure — so you can compare deals and make smarter decisions.

Global
Inputs
ROI = Total Profit / Total Investment × 100
Results

Cash-on-Cash Return

The real-world measure of how hard your money is working. Unlike ROI, cash-on-cash only looks at the cash you actually invested versus the cash you actually receive — making it the go-to metric for leveraged buy-to-let and rental investments.

GlobalInvesting
Inputs
CoC = Annual NCF / Cash Invested × 100
Results

Mortgage Payment Calculator

Know exactly what your mortgage will cost you each month. Enter your loan amount, rate and term to see monthly repayments, total interest paid and your loan-to-value — for both repayment and interest-only mortgages.

Global
Inputs
M = P[r(1+r)^n]/[(1+r)^n−1] — Standard amortisation formula
Results

Buy vs Rent Calculator

One of the biggest financial decisions you'll make — made clearer. This calculator runs a 5-year net financial comparison of buying versus renting so you can see which option genuinely leaves you better off given your situation.

Global
Inputs
Buy net = mortgage + 1% maintenance − equity. Rent = rent + opp. cost of deposit at 4%. [Estimate]
5-Year Comparison

House Affordability Calculator

Find out what you can realistically borrow and buy. Based on your income, deposit and typical lender multiples, this calculator shows you the maximum property price within reach — so you can search with confidence.

Global
Inputs
Max Mortgage = Total Income × Multiple. Max Property = Mortgage + Deposit. [Estimate]
Results

Rent Affordability Calculator

Before signing a lease, check whether the rent is actually affordable on your income. Using the widely-accepted 30% gross income guideline, this calculator tells you instantly whether a rental fits your budget — and what you should ideally be paying.

Global
Inputs
30% Rule: rent should not exceed 30% of gross income. [Standard guideline]
Results

Deposit Savings Goal

Turn your homeownership goal into a concrete plan. Enter your target deposit, what you already have saved and your monthly savings to see exactly how long it will take — with compound interest working in your favour.

Global
Inputs
Compound: FV = PV(1+r)^n + PMT((1+r)^n−1)/r. Binary search for n.
Results

Inflation-Adjusted Property Value

Property prices rise, but so does inflation. This calculator strips out the effect of inflation to show you what a property is actually worth in today's money — helping you understand whether property is genuinely growing in real terms.

Global
Inputs
Nominal = Value × (1+growth)^years. Real = Nominal / (1+inflation)^years.
Results

Negative Equity Calculator

Find out if you owe more than your home is worth. Enter your current property value and outstanding mortgage balance to see your equity position — and understand the shortfall you'd need to cover if you needed to sell or remortgage.

Global
Inputs
Equity = Current Value − Mortgage. Negative when Mortgage > Value.
Results

Interest Rate Stress Test

Rates change — make sure you're prepared. This calculator shows what your mortgage payments would look like if interest rates rise, helping you understand whether you could still comfortably afford your home under different rate scenarios.

Global
Inputs
Standard amortisation at current and stress rates. Payment-to-income >35% flagged.
Results

Portfolio LTV Calculator

Get a clear view of your total borrowing position. Add your properties to calculate a blended loan-to-value across your entire portfolio — the key metric lenders use when reviewing portfolio landlord applications.

GlobalLandlord
Portfolio Properties
Results

Early Mortgage Exit Penalty

Thinking of switching deals or selling before your fixed rate ends? Calculate your Early Repayment Charge (ERC) upfront so there are no surprises — and see whether breaking out of your current deal still makes financial sense.

Global
Inputs
ERC = Balance × Rate%. Break-even = ERC / Monthly Saving. [Verify exact figure with lender]
Results

Bridging Loan Cost Calculator

Bridging finance moves fast, but the costs can add up quickly. This calculator gives you the total cost of a bridging loan including monthly interest, arrangement fees and exit fees — so you know the true price of speed before you proceed.

GlobalInvesting
Inputs
Total Cost = Interest × Months + Arrangement Fee + Exit Fee. [Rolled-up interest model]
Results

Airbnb vs Long-Term Rental

Short-let or long-term — which strategy actually makes you more money? Compare gross income, platform fees, management costs and net profit side by side to find the right rental strategy for your property and lifestyle.

GlobalLandlord
Inputs
Airbnb gross = Nightly × 365 × Occupancy%. [Estimate — check local STL rules]
Comparison

House Price Growth Projection

Plan for multiple futures. Enter a property value today and project what it could be worth over any time horizon across three growth rate scenarios — conservative, base and optimistic — giving you a realistic range to plan around.

Global
Inputs
Value = Current × (1+rate)^years. Three scenarios shown.
Results

Rent-to-Cover-Mortgage Calculator

Know what rent you need before you buy. Lenders require rental income to exceed your mortgage payment by a set coverage ratio — this calculator works out the minimum rent required to satisfy those stress tests and secure your buy-to-let mortgage.

GlobalLandlord
Inputs
Min Rent Required = Monthly Mortgage × (Coverage% / 100). [Lender criteria vary — always verify]
Results

Rental Yield Calculator

Your most important landlord metric, calculated properly. Enter the property value, annual rent and running costs to see both your gross and net yield — with adjustments for void periods so you get a true picture of what the investment delivers.

GlobalLandlord
Inputs
Gross Yield = Annual Rent / Value × 100. Net Yield = (Rent − Costs − Voids) / Value × 100.
Results

Vacancy / Void Cost Calculator

Empty periods are more expensive than most landlords realise. This calculator shows the true financial cost of a void — combining lost rent with the fixed costs that keep running regardless — so you can budget accurately and make re-letting a priority.

GlobalLandlord
Inputs
Total Void Cost = Lost Rent + (Fixed Costs × Months Void) + Re-letting Costs.
Results

Rent Increase Calculator

Thinking of raising the rent? See the full effect before you have the conversation. This calculator shows how a rent increase impacts your annual income, gross yield and — importantly — whether the new rent remains affordable for your tenant.

GlobalLandlord
Inputs
New Rent = Current × (1 + Increase%). Tenant affordability: rent should be ≤30% of gross income.
Results

Portfolio Cashflow Dashboard

See your entire portfolio at a glance. Add up to 6 properties to get a consolidated cashflow summary — total rental income, total costs, net monthly cashflow and overall yield — giving you the visibility every portfolio landlord needs.

GlobalLandlord
Portfolio Properties
Portfolio Summary

HMO vs Single Let Yield

More rooms means more income — but also more management. Compare a House in Multiple Occupation against a standard single-let tenancy on the same property, with a full yield and cashflow breakdown to help you choose the right strategy.

GlobalLandlord
Inputs
HMO Gross = Rooms × Room Rent × 12. Net Yield = (Gross − Costs) / Value × 100.
Comparison

Holiday Let Profitability

Find out whether your property works as a holiday let. Enter your nightly rate, seasonal occupancy, platform fees and running costs to see your projected annual profit — and whether the numbers justify the extra effort over a standard tenancy.

GlobalLandlord
Inputs
Gross = Nightly × 365 × Occupancy%. Net = Gross − Platform Fees − Management − Maintenance. [Estimate]
Results

ARV Calculator

Nail your After Repair Value before making an offer. Enter comparable sales from the local market and adjust for your property's condition to estimate what the property will be worth once the work is done — the foundation of any successful flip.

GlobalInvesting
Comparable Sales
ARV = Avg(Comps) × (1 + Adj%). Always verify with a local agent. [Estimate]
Results

MAO — Maximum Allowable Offer

Know your ceiling before you negotiate. Enter the ARV, repair costs and your target profit to calculate the absolute maximum you should offer on any investment property — so you never overpay and always protect your return.

GlobalInvesting
Inputs
MAO = ARV − Repairs − All Costs − Target Profit.
Results

BRRRR Calculator

The strategy that lets you recycle your capital and grow a portfolio faster. This calculator analyses your Buy, Rehab, Rent, Refinance, Repeat deal — showing how much capital you can pull back out after refinancing and what your ongoing returns look like.

GlobalInvesting
Inputs
Refinance = ARV × LTV. Cash Recycled = Refinance − Total Invested. [Mortgage est: 0.5%/mo placeholder]
Results

Cap Rate Calculator

The standard metric for comparing investment properties regardless of how they're financed. Enter the property value and net operating income to calculate the capitalisation rate — essential for evaluating commercial and investment properties on a like-for-like basis.

GlobalInvesting
Inputs
Cap Rate = NOI / Value × 100. NOI = Gross − Operating Expenses.
Results

Seller Concessions Calculator

Seller credits and concessions can change the economics of a deal significantly. This calculator shows how repairs paid by the seller, price reductions or closing cost credits affect your net purchase price and the actual cash you need to bring to the table.

GlobalInvesting
Inputs
Effective Price = Asking − Concession. Net Costs = Buying Costs − Concession. [Estimate]
Results

Commercial to Residential Feasibility

Offices, shops and warehouses can become highly profitable residential conversions — but the numbers need to work. Run a quick development appraisal to calculate your projected profit, profit-on-cost and whether the deal meets the 20% viability threshold before you commit.

GlobalInvesting
Inputs
Profit = GDV − All Costs. Profit on GDV target >20% for viability. [Development appraisal estimate]
Results

Student HMO Yield Calculator

Student rentals operate on a different calendar to standard lettings. This calculator accounts for the academic year rental period to give you an accurate yield and cashflow picture for student HMO properties — so you can compare them fairly against year-round rentals.

GlobalInvesting
Inputs
Gross = Rooms × Weekly Rent × Academic Weeks. Net = Gross − Costs.
Results

Renovation Cost Estimator

Plan your renovation budget with confidence. Build up your estimate room by room and trade by trade, with UK regional pricing adjustments and finish level multipliers — plus automatic contingency to protect against the unexpected.

UK GBP Room-by-Room Trade-by-Trade
UK Only — All costs are UK market estimates in GBP (2024/25). Prices vary by region, contractor and specification. Always obtain 3+ quotes before committing. Costs shown are mid-range — actual quotes may differ by ±30%.
UK Region
Multiplier applied to all costs. London inner = 1.5× national average.
Finish Quality
Applied on top of regional multiplier to all material costs.
Contingency
Recommended 10–20% for refurbs, 20–30% for full renovations.
Rooms
Whole-Property Trades

Select trades that apply to the whole property (not room-specific).

Cost Summary
Important Disclaimer
All costs are estimates based on 2024/25 UK market averages from industry sources including RICS, Checkatrade and Homebuilding & Renovating magazine. Actual costs depend on property condition, access, specification, contractor and location. Always obtain a minimum of 3 written quotes from qualified tradespeople before committing. These figures should be used for planning purposes only.
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Stamp Duty (SDLT) Calculator

One of the biggest upfront costs of buying property in England and Northern Ireland — and one that catches many buyers off guard. This calculator covers standard rates, first-time buyer relief and the additional dwelling surcharge, so you know exactly what to budget before you make an offer.

UK
Inputs
2025 Rates (England & NI): 0% up to £250k, 5% £250k–£925k, 10% £925k–£1.5m, 12% above. FTB: 0% to £425k. Additional: +3%. Verify at gov.uk/sdlt.
Results

Section 24 Tax Impact

The mortgage interest restriction has fundamentally changed the tax position for individual landlords in the UK. This calculator shows you exactly how much more tax you're paying under Section 24 compared to the old system — and helps you decide whether incorporation might make financial sense.

UK
Inputs
S24: interest not deductible; 20% credit instead. UK 2024/25 bands. Verify with HMRC/accountant.
Results

Help to Buy Repayment Calculator

Your Help to Buy equity loan is tied to your property's current value — not what you borrowed. This calculator shows you the true cost of repaying your loan today, so you can plan ahead and understand your financial position before you sell or staircase out.

UK
Inputs
Repayment = Current Value × Equity Loan%. After yr 5, fees begin. [Verify with your HTB agent]
Results

Right to Buy Discount Calculator

As a council or housing association tenant, you may be entitled to a significant discount on your home. This calculator estimates your Right to Buy discount based on your length of tenancy and whether the property is a house or flat — giving you a clear picture of the potential saving.

UK
Inputs
House: 35% base + 1%/yr (max 70%, capped at £136k). Flat: 50% base + 2%/yr (max 70%, capped at £136k). [2024 figures — verify gov.uk/right-to-buy]
Results

Shared Ownership Staircasing

Buying more of your home is a great way to build equity and reduce your rent — but the cost depends on today's valuation, not what you paid. This calculator shows you exactly what it will cost to buy an additional share, and what your equity position will look like afterwards.

UK
Inputs
Staircase Cost = Value × Additional Share%. Rent reduces proportionally after staircasing.
Results

Leasehold vs Freehold Cost Comparison

The true cost of leasehold ownership goes far beyond the purchase price. This calculator projects the long-term financial difference between leasehold and freehold, including ground rent escalation, service charges and lease extension costs — helping you make a fully informed decision.

UK
Inputs
Leasehold cost = (Ground Rent + Service Charge) × Years. Break-even = Freehold Premium / Annual Savings. [Simplified]
Results

Ground Rent & Service Charge Calculator

Ground rents and service charges can spiral over time, especially with doubling clauses. This calculator projects your future costs over any number of years so you can see the full financial commitment before you buy — and spot any clauses that could make the property unmortgageable.

UK
Inputs
Doubling ground rent clauses can make a lease almost unsaleable. [Check lease terms carefully]
Results

EPC Rating Impact Calculator

A better energy rating means a more valuable, more lettable property. This calculator estimates the impact of improving your EPC rating on both your property's value and your annual energy bills — helping you decide which upgrades are worth the investment.

UK
Inputs
Value uplift ~4–14% per rating band improvement based on research. Energy savings are % estimates. [ESTIMATE — verify with local data]
Results

Let-to-Buy Calculator

Want to move home without selling your existing property? Let-to-buy lets you remortgage your current home onto a buy-to-let basis, release equity as a deposit, and rent the property out while you buy your next home. This calculator shows how much equity you can release and whether your rent will cover the new mortgage.

UK
Inputs
New BTL mortgage = Value × LTV. Cash released = New Mortgage − Old Mortgage. Rent must cover BTL mortgage (125%+ typical).
Results

Inheritance Tax Property Calculator

Property is often the largest asset in an estate — and one of the biggest sources of unexpected inheritance tax bills. This calculator estimates the IHT liability on an estate including your main residence, applying the nil-rate band, residence nil-rate band and married couple allowances so your family can plan ahead.

UK
Inputs
NRB = £325k. RNRB = £175k (main residence to descendants). Married couples can combine. Rate = 40% above threshold. [2024/25 — verify HMRC]
Results

1031 Exchange Calculator

Sell one investment property and roll the gains into another — completely tax deferred. This calculator shows exactly how much capital gains tax you'd defer under a Section 1031 like-kind exchange, helping you understand the real financial benefit of reinvesting rather than cashing out.

USA
Inputs
Gain = Sale − Basis − Selling Costs. Tax deferred = Gain × Rate. Consult a qualified intermediary.
Results

FHA vs Conventional Loan

Choosing the wrong loan type could cost you thousands. This calculator puts FHA and conventional loans side by side — comparing monthly payments, mortgage insurance costs and total interest over the life of the loan — so you can pick the option that genuinely saves you more.

USA
Inputs
FHA: 1.75% upfront MIP + ~0.55% annual MIP. Conventional: PMI ~0.5–1.5% if LTV>80%. [2024 estimates]
Results

US Property Tax Estimator

Property tax is one of the most significant ongoing costs of US homeownership — and it varies enormously from state to state. Select your state to estimate your annual liability using average effective rates, so you can factor it accurately into your affordability and cashflow calculations.

USA
Inputs
Property Tax = Value × Effective Rate. Assessed value often differs from market value. [Rates vary by county — verify locally]
Results

HOA Fee Impact Calculator

HOA fees might seem manageable monthly, but they add up to a significant drag on your returns over time. This calculator shows how your HOA fees affect the true total cost of ownership and — if you're buying to rent — the real impact on your investment yield and cashflow.

USA
Inputs
HOA reduces net cash flow directly. Annual HOA yield drag = Annual HOA / Property Value × 100.
Results

Short Sale vs Foreclosure

Facing financial difficulty on your mortgage? Understanding your options is critical. This calculator compares the financial shortfall and estimated credit impact of a short sale versus foreclosure, helping you make an informed decision in a very difficult situation.

USA
Inputs
Shortfall = Mortgage − Net Sale Proceeds. Foreclosure typically more damaging to credit. [Consult legal counsel]
Results

EU Notary Fee Calculator

Buying property in Europe comes with significant upfront costs beyond the purchase price. This calculator estimates the total notary fees, land registration charges and transfer taxes for major EU countries — essential reading before you make an offer abroad.

EU
Inputs
Total buying costs include notary, registration, transfer tax. [ESTIMATES — vary by region and property type. Verify locally]
Results

French Mortgage Calculator

Financing property in France works differently to the UK or US. French mortgages (prêt immobilier) require mandatory life insurance, have strict debt-to-income limits and are typically capped at 25 years. This calculator gives you realistic monthly payment figures including the assurance cost so you can plan your French property purchase properly.

EU
Inputs
DTI typically must be below 35%. Taux d'usure (max rate) applies. [Estimate — verify with French bank]
Results

Spanish ITP Transfer Tax

Buying a resale property in Spain means paying Impuesto de Transmisiones Patrimoniales on top of the purchase price. This calculator estimates your ITP liability based on the purchase price and your region's rate, so you can budget accurately for the total cost of buying in Spain.

EU
Inputs
ITP on resale properties. New builds pay IVA (10%) + AJD instead. Rate varies by region (6–11%). [Verify current regional rate]
Results

German Grunderwerbsteuer

Germany's property transfer tax (Grunderwerbsteuer) varies significantly by Bundesland — from 3.5% in Bavaria to 6.5% in several states. This calculator shows your transfer tax liability alongside notary and land registry fees, giving you a clear total picture of buying costs in Germany.

EU
Inputs
Grunderwerbsteuer + Notar (~1.5%) + Grundbuch (~0.5%) = total ~6–9% buying costs. [Verify current rates]
Results

Italian IMU Tax Calculator

If you own a second home or investment property in Italy, IMU (Imposta Municipale Unica) is a recurring annual cost you need to plan for. This calculator works out your IMU liability from the cadastral value, applying the correct category multiplier and your municipality's rate.

EU
Inputs
Taxable Base = Cadastral Value × 1.05 × Multiplier. IMU = Base × Rate. Primary residence exempt. [Verify with municipality]
Results

Dutch Mortgage Maximum

In the Netherlands, how much you can borrow is tightly regulated based on your income. This calculator estimates your maximum hypotheek based on individual or combined gross income and the current interest rate, giving you a realistic budget to work with when searching for Dutch property.

EU
Inputs
Typically 4.0–4.5× income. NHG available up to ~€435k. Max LTV = 100%. [ESTIMATE — verify with Dutch bank]
Results

Portuguese NHR Tax Calculator

Portugal's Non-Habitual Resident regime offers some of Europe's most attractive tax benefits for foreign income — potentially reducing your tax bill dramatically for 10 years. This calculator compares your tax position under NHR/IFICI against standard Portuguese rates, so you can see the real financial benefit of relocating.

EU
Inputs
NHR foreign income often 0%/exempt, PT professional income 20% flat. IFICI replaces NHR for new 2024+ applicants. [Complex rules — consult PT tax advisor]
Results

French Loi Pinel Investment Calculator

The Pinel scheme offered French investors significant income tax reductions in exchange for letting new-build properties at capped rents. This calculator shows the total tax reduction and net yield for historic or grandfathered Pinel investments across 6, 9 and 12-year commitments. Note: Pinel ended in December 2024 for most zones.

EU
Inputs
Tax reduction = PP × Rate (max base €300k). Annual reduction = Total / Years. [Pinel ended Dec 2024 — historical reference only]
Results