Commercial Real Estate Calculators
24 professional-grade financial tools.
Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.
Loan Analysis
- Max Loan Amount Open calculator
- Commercial Mortgage Estimate your monthly CRE loan payment, total interest cost, and full amortization schedule. Compare loan structures before you apply. Open calculator
- DSCR Calculator Calculate your Debt Service Coverage Ratio instantly. See if your property qualifies for CRE financing and which loan programs are available to you. Open calculator
- SBA 504 Loan Estimate your SBA 504 loan structure — see the three-part split (borrower, CDC, bank), monthly payments for each portion, and total project financing. Open calculator
- SBA 7(a) Payment Estimate monthly payments on an SBA 7(a) loan with Prime + spread variable rate. See how rate changes affect your payment and plan for different scenarios. Open calculator
- LTV Ratio Calculate your Loan-to-Value ratio or find the maximum loan amount for your commercial property. See which programs you qualify for at your LTV. Open calculator
- LTC Ratio Loan-to-cost (LTC) is the loan divided by the total project cost — land, hard costs and soft costs. Enter your budget to see your LTC, the most a lender's LTC limit allows you to borrow, and the equity you need to bring. Open calculator
- Debt Yield Calculate Debt Yield (NOI ÷ Loan Amount) — the metric CMBS and institutional lenders prioritize over DSCR and LTV. Find your maximum loan amount based on target debt yield. Open calculator
Investment Returns
- Cap Rate Calculate capitalization rate, estimate property value from NOI, or find the NOI needed to hit your target cap rate. The essential CRE investment metric. Open calculator
- NOI Calculate your property's Net Operating Income with a detailed income and expense breakdown. NOI drives your DSCR, cap rate, and property valuation. Open calculator
- Cash-on-Cash Return Calculate your actual return on invested equity after debt service. See how leverage amplifies (or reduces) your returns compared to an all-cash purchase. Open calculator
- IRR Calculate Internal Rate of Return for your CRE investment. Enter your initial investment, annual cash flows, and exit sale proceeds to see your total annualized return. Open calculator
- Equity Multiple Calculate total return on invested equity. See how many times your initial investment comes back to you through cash flows and sale proceeds over the entire hold period. Open calculator
- GRM Calculate Gross Rent Multiplier to quickly compare property values relative to gross rental income. A fast screening tool for CRE investment opportunities. Open calculator
- 1031 Exchange Compare selling outright vs. a 1031 tax-deferred exchange. See exactly how much you save in taxes and how much more you can reinvest. Open calculator
- Depreciation Calculate straight-line depreciation and annual tax savings for your commercial property investment. Open calculator
Refinance & Costs
- Refinance Break-Even Find out exactly how many months until your refinancing savings cover the closing costs. Make a data-driven decision on whether to refinance your CRE loan. Open calculator
- Cash-Out Equity Calculate how much equity you can pull from your commercial property. See your maximum cash-out amount, new loan terms, and the impact on monthly payments. Open calculator
- Yield Maintenance Estimate your prepayment penalty before refinancing or selling. Understand the true cost of exiting your commercial loan early and compare penalty structures. Open calculator
- Defeasance Estimate the total cost of defeasing your CMBS or conduit commercial loan. See the Treasury portfolio cost, transaction fees, and how it compares to yield maintenance. Open calculator
- Break-Even Occupancy Calculate the minimum occupancy rate your property needs to cover all expenses and debt service. Measure your vacancy cushion and downside risk. Open calculator
Lease & Valuation
- Rent Per Sq Ft Convert between total rent and per-square-foot rates. Compare lease rates across properties and calculate total annual occupancy cost for commercial spaces. Open calculator
- Price Per Unit Calculate per-unit pricing for multifamily properties. Compare apartment buildings on a per-door basis and estimate property value from target per-unit pricing. Open calculator
- TI Allowance Calculate tenant improvement budgets and total build-out costs. Understand how TI allowances affect your lease economics and landlord investment. Open calculator
Numbers look right?
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