InvestCalc

Free Real Estate Investor Calculators

Run the numbers before you buy. DSCR, cap rate, cash-on-cash and more — accurate, transparent, and 100% in your browser. Nothing uploaded.

Open the DSCR calculator →

Calculators

DSCR Loan CalculatorCheck whether a rental property’s income covers its mortgage, and find the maximum loan a lender will support.Cap Rate CalculatorEstimate a property’s unlevered return (NOI ÷ value) and the value implied by your required cap rate.Cash-on-Cash Return CalculatorMeasure the cash return on the dollars you invest — financing, closing costs and first-year equity included.50% Rule CalculatorA 10-second screen: does the rent cover expenses and the mortgage, by the rule of thumb investors use?Gross Rent Multiplier (GRM) CalculatorA fast price-to-rent screen — how many years of gross rent does the price represent?BRRRR CalculatorModel a buy-rehab-rent-refinance deal and see how much cash the refinance recycles.HELOC CalculatorEstimate your maximum home equity line of credit at a combined LTV, plus draw and repayment payments.Rent vs. Buy CalculatorCompare the true net cost of buying versus renting over your holding period — break-even year included.

InvestCalc is a set of free real estate investor calculators that run entirely in your browser. There is no sign-up, no paywall, and nothing is uploaded — your purchase price, loan terms and rent figures stay on your device.

Each calculator targets one number investors actually need before a deal: DSCR, cap rate, cash-on-cash return, BRRRR, rent vs. buy, HELOC, the 50% rule and GRM. New here? Start with the glossary for the terms behind each metric.

Why these calculators are private by default

A spreadsheet or most “free” online calculators send your deal numbers to a server. InvestCalc does not — every formula is evaluated locally in the browser, which you can confirm by watching the network tab while you type. That matters for investors who don’t want their pipeline, offers or finances logged by a third party.

Who these calculators are for

Independent landlords sizing up a single rental, DSCR-loan buyers who need to know the property qualifies on its own cash flow, and agents or newer investors sanity-checking a deal before running it by a lender. The math is transparent and each result explains the inputs behind it.

Frequently asked questions

Are these real estate calculators free?

Yes — every calculator is free with no account, no sign-up and no upload. There is nothing to install.

Do you store or upload my numbers?

No. All math runs locally in your browser. Your purchase price, loan terms and rent figures never leave your device — confirm it in your browser’s network tab while editing the inputs.

Which calculators are available?

Eight: DSCR, cap rate, cash-on-cash return, BRRRR, rent vs. buy, HELOC, the 50% rule and GRM — each on its own page tuned to the question it answers. More are added over time. See the glossary for the concepts behind them.