PropCalc
All Calculators
47 free tools for real estate investors, organised by category.
Fix & Flip Calculator
Analyze house flipping deals. Calculate profit, ROI, and the 70% Rule MAO in seconds.
BRRRR Calculator
Model Buy-Rehab-Rent-Refinance-Repeat deals. Track cash left in deal and cash-on-cash return.
Rental Yield
Calculate gross yield, net yield, and cash-on-cash return for rental properties.
Buy-to-Let vs S&P 500
Compare the after-tax total return of buying a rental property versus investing the same capital in the S&P 500. Includes rental income, appreciation, mortgage, vacancy and capital gains taxes. PT, ES, DE, FR, US.
Refinancing & Equity Recycling
Model a remortgage to release equity and reinvest it. See how recycling capital accelerates your portfolio growth. PT, ES, DE, FR, UK, US.
Equity Invested vs. Loan Cost
Discover when investing your released equity beats the extra mortgage cost — and when it becomes self-financing. PT, ES, DE, FR, UK, US.
Net Worth & Financial Freedom Dashboard
Track your real wealth, FIRE progress (Lean/Regular/Fat), and find out whether to pay down debt or invest. Net Worth = Assets − Liabilities.
FIRE Calculator — Property Portfolio
How many properties do you need to retire early? Set your monthly target, model rental income and appreciation, and find your FIRE number.
Shared Property Purchase Calculator
Split costs, mortgage and equity fairly between two co-buyers with different initial contributions. Ideal for couples, friends or family buying together.
Mortgage Calculator
Calculate monthly payments, total interest, and amortization schedule. Adapts to US, Portugal, Spain, Germany and France rules.
Home Affordability
Find out how much house you can afford based on your income, debts, and down payment.
Mortgage Payoff vs Invest
Should you pay off your mortgage early or invest in the S&P 500? Compare net benefit after capital gains tax and mortgage interest deduction. PT, ES, DE, FR, US.
Mortgage Stress Test
What if Euribor rises to X%? See how your payment changes across 6 rate scenarios and check your debt-to-income ratio.
Overpayment Calculator
See how extra monthly payments or a lump sum reduce your mortgage term and total interest paid.
PPR for Mortgage Instalments
Compare Portuguese PPR contributions, IRS relief and paying mortgage instalments.
Capital Gains Tax
Calculate capital gains tax on property sales for PT, ES, DE, FR, US. Includes acquisition costs, improvements, inflation relief, and country-specific exemptions.
Company vs. Personal
Compare the tax burden of conducting real estate business as an individual vs. a company. Includes income tax, social security, corporate tax, and dividend withholding for PT, ES, DE, FR, US.
Transfer Tax Calculator
Calculate property transfer taxes, stamp duty, notary and registry fees. IMT (PT), ITP (ES), Grunderwerbsteuer (DE), Droits de Mutation (FR), Transfer Tax (US).
Stamp Duty Calculator (UK)
Calculate SDLT (England & NI), LBTT (Scotland) or LTT (Wales). Includes first-time buyer relief and additional property surcharge.
Stamp Duty Portugal (Imposto de Selo)
Calculate Imposto de Selo for property acquisition, mortgage, lease, gift and inheritance.
UK Stamp Duty Calculator (SDLT / LBTT / LTT)
Calculate Stamp Duty for England & NI (SDLT), Scotland (LBTT) or Wales (LTT). Covers standard, first-time buyer, and second home / buy-to-let.
UK Capital Gains Tax on Property
Estimate CGT on UK residential property sale. Includes PPR relief, letting relief, and £3,000 annual exempt amount (2025/26).
Property Swap (Permuta) Calculator
Calculate IMT and Stamp Duty on a property swap in Portugal. Pay tax only on the difference in value.
CPCV Position Assignment Calculator
Calculate net profit, IMT, IRS on capital gains and ROI when assigning a purchase promise contract (CPCV) in Portugal.
1031 Exchange Calculator
Estimate deferred gain, taxable boot and IRS exchange deadlines.
US Property Tax by State
Estimate annual property tax using a state effective-rate benchmark.
Spain Sale Tax: IRPF + Plusvalía
Estimate capital-gains IRPF and municipal plusvalía from a Spanish sale.
LMNP vs Nue-Propriété
Compare furnished-rental cash flow with French bare-ownership value growth.
Property Valuation
Estimate your property's market value instantly. Parametric model for PT, ES, DE, FR and US. Refine with local price per m².
Development Calculator
Given a land plot, estimate total construction cost, sale value, and development margin. House or apartment building. PT, ES, DE, FR, US.
Agent Commission Calculator
Calculate real estate agent commission with VAT for any country. Supports sale and rental. See who pays and net proceeds.
Renovation Estimator
Estimate renovation costs by room type, quality level, and property size for any country.
Buy vs Rent Calculator
Compare the true long-term cost of buying vs renting. Includes S&P 500 opportunity cost, transaction costs, property tax, and home appreciation.
Country Cost Comparison
Compare property acquisition costs across Portugal, Spain, Germany, France, USA and UK for the same purchase price. Transfer tax, notary, agent fees and more.
Leverage vs Stocks
Same capital, two paths: leveraged buy-to-let vs ETF portfolio. Compare final wealth, annualised returns and cash flow across 4 scenarios.
Airbnb Investment ROI Calculator
Analyse the profitability of buying a property for Airbnb. Includes acquisition costs, occupancy rate, ADR, operating costs and Deal Score.
Airbnb vs Long-Term Rental
Compare Airbnb short-term rental vs traditional long-term rental. Side-by-side net income, break-even occupancy and tax impact by country.
Airbnb Rental Arbitrage Calculator
Calculate profit from sub-letting a rented property on Airbnb without owning it. Includes setup costs, monthly P&L and payback period.
Airbnb Pricing Optimizer
Find the minimum nightly rate needed to hit your target yield or monthly profit. Adapts to costs and occupancy by country.
FIRE via Airbnb Arbitrage
How many sub-let Airbnb properties do you need to reach financial independence? FIRE calculator for rental arbitrage investors.
Divorce Property Split Calculator
Calculate how to fairly divide property after separation: sell and split, buyout, or keep as co-ownership.
Matrimonial Regime Calculator
Understand which assets belong to whom based on your marriage regime — community property, separation of assets or full community.
Divorce Property Buyout Calculator
Calculate how much the spouse keeping the property pays to the one leaving, including remortgage costs and tax exemptions.
Estate Division Calculator
Divide inherited property between heirs, calculate equalisation payments (tornas) and applicable stamp duty or inheritance taxes.
FIRE Divorce Impact Calculator
Discover how divorce affects your FIRE plan. Compare years to Financial Independence before and after separation, including property and portfolio split.