10 free calculators · 1 AI verdict

Should you buy this property?
Run the numbers — get AI advice before you make an offer.

Ten free real estate calculators — from cap rate to mortgage affordability — synthesized by AI into one verdict you can act on.

FRED MORTGAGE30USBLS CUUR0000SEHACENSUS B25064
AI Verdict
Cap Rate: 6.2%
PASS

Cap rate of 6.2% beats the 5-year median in this zip by 0.8 points. Cash-on-cash of 8.1% leaves a positive monthly cash flow after debt service.

Cash-on-Cash8.1%NOI$34,200Cash Flow+$612/mo
Powered by federal data ·
FRED MORTGAGE30USBLS CUUR0000SEHACENSUS B25103 · B25064NO LENDER REFERRALS
How it works

Three steps. No subscription. No upsell.

STEP 01
Run the free calculator

Enter the asking price, annual rent, and your down-payment plan. The math recomputes live as you type — no "Calculate" button, no email gate.

STEP 02
Get the AI verdict

$19 one-time unlocks 6 metrics, 3 stress-test scenarios (rate +1pt, rent −10%, vacancy 15%), and 3 paragraphs of plain-English reasoning from Claude.

STEP 03
Forward to your agent or lender

Download a branded PDF. Send to your buyer's agent for the offer, or attach to your DSCR loan app. No data is sold or stored.

10
Free calculators
$19
One-time AI Report — no subscription
3
Federal data sources (FRED · BLS · Census)
12s
AI verdict generated in ~12 seconds
FAQ

Honest answers.

Is realestatecalc really free?

Yes. All 6 calculators run free, unlimited, no signup. The $19 unlock is one-time per property and buys you the AI verdict — 6 metrics + 3 stress-test scenarios + 3 paragraphs of reasoning + downloadable PDF.

Why $19? Why not subscription?

Most buyers evaluate 1–3 properties per year. A subscription charges you 12 months for 2 reports. $19 per property — pay only when you're actively evaluating. We'd rather price by value than by velcro.

How accurate is the AI verdict?

The math is deterministic — same NOI, cap rate, DSCR, and CoC every commercial lender uses. The AI layer is Claude 4.6 reading your inputs against current FRED/BLS/Census data. Best treated as one input alongside a local agent and a CPA, not a buy/no-buy gate.

How is this different from Zillow / Realtor.com calculators?

Zillow's calculator is a lead-gen funnel — the goal is to sell your contact to a lender partner. We have no lender partnerships, no leads to sell, and no upsells. The rate you see is the FRED Freddie Mac weekly survey, not a lender bid. We make money from $19 AI reports, not from your phone number.

Will it work for commercial / multi-family?

Cap rate, NOI, DSCR, and cash-on-cash are commercial-grade and work for any income property. Mortgage and rent-vs-buy are tuned for residential SFR / small multi-family. For 50+ unit apartment underwriting you'll outgrow this — but for 1–10 units, this is exactly the toolkit.

Do you store my property data?

No. Every calculation runs in your browser. We don't log your inputs server-side. The only data we store is your email if you opt into the waitlist or the $19 receipt for the AI Report. Nothing else.

Refund policy?

Email within 7 days. We process refunds same-day, no questions asked. You can also keep the PDF — it's yours.

Can my agent or lender use this with me?

Yes — the PDF is white-label-ish (your inputs + our methodology) and forwardable. Many of our $19 buyers send the report to their buyer's agent to anchor a counter-offer. We don't mark up the report or stamp our logo across every page.

Ready when you are

Should you buy this property?
Let's run the numbers.

Free calculator. $19 one-time for the AI verdict. No subscription, no upsells, no lender ads stapled to the bottom.