Property Calculator

PropCalc — Your complete real estate financial calculator. Whether you're buying your first home or analyzing an investment property, PropCalc gives you instant, professional-grade financial analysis right on your phone. ━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🏠 MORTGAGE CALCULATOR ━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Calculate monthly installments instantly • View total payment and total interest over the life of the loan • Full amortization table — see every month's principal, interest, and remaining balance • Toggle between monthly and annual views • Handles any loan amount, interest rate, and tenor (1–50 years) • Precise calculations using financial-grade math (BigDecimal, no floating-point errors) ━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📈 INVESTMENT CALCULATOR ━━━━━━━━━━━━━━━━━━━━━━━━━━━ Complete property investment analysis with 6 professional yield metrics: ✦ Gross Rental Yield — Annual rent / Purchase price ✦ Net Rental Yield — Net rent / Total acquisition cost ✦ Capital Gain % — Resale profit as percentage of cost ✦ Total ROI — Combined rental + resale return ✦ Annualized ROI (CAGR) — Time-adjusted compound return ✦ Cash-on-Cash Return — Annual income / Equity invested Input all real-world costs: • Purchase price, stamp duty, legal fees • Renovation and other acquisition costs • Monthly rental income and annual operating expenses • Expected resale price and selling costs • Holding period and equity invested ━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🏦 LOAN / LEVERAGE ANALYSIS ━━━━━━━━━━━━━━━━━━━━━━━━━━━ See exactly how financing impacts your investment: • Monthly and annual mortgage payment • Total mortgage interest cost • Equity required (auto-calculated) • Annual cash flow after debt service • Debt Service Coverage Ratio (DSCR) — color-coded health indicator • Leveraged ROI — your actual return on cash invested • Leveraged Annualized ROI — compound return on equity • Compare leveraged vs. all-cash scenarios ━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✨ WHY PROPCALC? ━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✓ No sign-up required ✓ Works completely offline ✓ Bank-grade calculation precision (BigDecimal math) ✓ Clean Material Design 3 interface ✓ Color-coded results — green for gains, red for losses ✓ Instant results — no waiting ✓ Free to use Perfect for: • Home buyers comparing mortgage options • Real estate investors analyzing deals • Property agents advising clients • Students learning real estate finance Download PropCalc now and make smarter property decisions.