Property-Calculator.
106 free tools for buyers, sellers and investors — from financing and rental yield through to new builds and refurbishment.
Financing & purchase
Monthly payment, interest, repayment, and outstanding balance at a glance.
How much property can you afford?
Stamp Duty Land Tax, solicitor, Land Registry, and estate agent fees.
Full repayment schedule over the loan term.
Compare 5, 10, 15, and 20-year fixed-rate mortgage terms.
How much interest can annual overpayments save?
Outstanding balance and new payment after your fixed term.
How much deposit should you provide?
Income vs. expenditure → maximum monthly payment.
What will your outstanding balance be after X years?
How much can you save with a better interest rate?
Costs for early mortgage repayment.
Is remortgaging worthwhile?
Impact of higher or lower repayments.
Compare multiple lenders and rates.
Payment based on purchase price and deposit.
Lease payment and residual value for commercial properties.
Calculate based on region/country.
Automatic calculation of solicitor and Land Registry fees.
Calculate commission per region/country.
How much property can you afford?
How many annual salaries will your dream home cost?
Your upper limit based on financing capacity.
Assess your finance sustainability in 30 seconds.
How much equity are you still missing?
What happens to your mortgage payments if interest rates rise?
When will your loan be fully repaid?
What will your move realistically cost?
Realistic budget for furniture and furnishings.
Total costs for your building plot.
What does developing your plot cost?
Valuation
Rough valuation by area, location, and condition.
Compare buying vs. renting over 10-30 years.
Calculate and compare price per square metre.
Quickly determine the price per square metre.
How much has your property's value increased?
Total return including capital appreciation.
Does your property protect against inflation?
Future value of your property.
What's left in your pocket after the sale?
How high is your speculation tax upon sale?
How much inheritance tax will apply?
Tax on property gifted during lifetime.
Capital value of a usufruct on a property.
Capital value of a lifelong right to reside.
What remains after a partial property sale?
Permitted maximum rent according to rental index.
Wealth forecast for your properties.
Direct comparison: renting vs. buying in your city.
Estimated investment required for your property.
Investment
Gross and net rental yield of a property.
Rental income minus loan payment, service charges, reserves.
Tax depreciation for rented properties.
Guidance for potential monthly rent.
Recommended annual maintenance reserve.
Includes taxes, reserves, and vacancy rates.
Detailed monthly surplus/deficit.
Calculate the impact of vacancy.
Estimate the local comparative rent.
Professionally calculate short-term rental profitability.
Compare profitability of individual room lets (HMOs).
Capital allowances, allowable expenses, and tax savings.
Which costs are recoverable from tenants.
How can your property capital grow exponentially?
How many years of rent does the property cost?
Return on your invested equity.
Return on Investment for your property asset.
Visualise the leverage effect of external capital.
How profitable is the property, regardless of finance?
Quick valuation: Purchase Price / Annual Rent.
What does every month of vacancy cost?
How will your rental income evolve over time?
Your true net yield after income tax.
When does your investment property become self-sustaining?
How renovation investments pay off.
Overall valuation of your property portfolio.
When will property make you financially independent?
Wealth projection from systematic property accumulation.
Specific year until financial freedom.
Specific number of flats for your desired income.
Direct comparison: Airbnb vs. long-term letting.
What yields more: property or ETFs?
Building & renovation
Renovation, heating, windows, bathroom, and kitchen.
Complete construction cost estimation.
Roof, windows, bathroom, heating, and more.
What savings come from new insulation or heating?
Payback period and electricity savings.
Investment costs vs. savings.
Recommended budget per living area.
Is renovation or a new build more worthwhile?
When will your renovation have paid for itself?
When does a heat pump save money compared to gas/oil?
The return on your photovoltaic system.
How much can you save with self-generated electricity?
How high are your CO₂ levies for heating?
Determine efficiency class based on energy demand.
What savings do facade or roof insulation bring?
Which heating system is cheapest in the long run?
Are your service charges typical for the market?
How high should your service charge be?
How large should your maintenance reserve be?
Realistic annual maintenance costs.
Total ongoing costs of your property.
Realistic construction costs depending on standard.
How long will your house build realistically take?
Profitability check for your renovation plans.