ARV and 70% rule calculator
After-repair value and repair budget in, maximum sensible offer out. The fixer-upper screening math.
You give it: ARV, repair budget, the percentage
It answers: The most you should pay for a home that needs work
Buyer's tools
Monthly payment calculator
The all-in monthly figure: principal and interest, taxes, insurance, mortgage insurance, and HOA dues.
You give it: Price, down payment, rate, dues
It answers: What a specific home costs each month, line by line
Rent vs buy calculator
Year by year, the cost of owning against the cost of renting, and the year buying pulls ahead.
You give it: Price, comparable rent, how long you would stay
It answers: Whether to buy at all, and the year it starts paying
Which one, when
| The question | The tool | What to bring |
|---|---|---|
| Should I buy at all, or keep renting? | Rent vs buy | What a similar home rents for, and how long you would stay |
| What would this home cost me each month? | Monthly payment | The asking price and the HOA dues from the listing |
| This one needs work. What is it worth paying? | ARV and the 70% rule | Finished comps for the ARV, and bids for the repairs |
The concepts behind each are in the glossary, and the fixer-upper guide walks the ARV math with Las Vegas repair costs beside it.
Questions people ask
Are these calculators free, and do they need an account?
Free, no signup, nothing stored and nothing sent. Every figure is computed in your browser from the numbers you type. Listing pages link into them with the home's price and HOA dues filled in, which is the only data that moves.
Where do the default assumptions come from?
Moderate, not optimistic: a 6.5% rate, 20% down, property tax at 0.6% and insurance at 0.35% of value, 3% growth in prices and rents, 5% on money not spent. Every one is editable and the calculators show the defaults under the result.
Which one should I use first?
Rent vs buy if the question is whether to buy at all. The payment calculator once you are looking at a specific home. The ARV calculator only if the home needs work and you are pricing the work into the offer.
Are the results advice?
No. They are arithmetic on your assumptions. Whether any purchase makes sense depends on facts no calculator holds, and a lender's numbers will differ from these in the details.