Calculator and market charts on a finance desk

Interactive tools

Real Estate and Stock Calculators

These are the five calculators I use while working on the articles. You can replace my sample figures with your own and watch the property value, loan coverage, hotel income, shopping-center value, or stock estimate update.

5 calculators25+ editable inputsLive sensitivity
CALCULATOR DESK

Choose a model, then change the numbers

Each calculator updates as you type. The sample figures are only a starting point, so replace them with the property or company information you want to test.

$OPEN MODELProperty valueNOI and cap rate
PROPERTY VALUE

Income property valuation

Start with the annual income left after normal property expenses, then choose the cap rate you want to test.

$
%
Scenario shortcuts
INDICATED PROPERTY VALUEUpdates live
$7,304,348

Based on $420,000 of annual NOI at a 5.75% cap rate.

Value per $1 of NOI$17
Monthly NOI$35,000
IF THE CAP RATE RISES 0.50%The indicated value falls by $584,348

Click any row below to use that cap rate.

CAP-RATE SENSITIVITYLower cap rate, higher indicated value
Property value = net operating income ÷ cap rate
01Property income

Use annual NOI and a cap rate to test a possible property value.

02Debt coverage

Compare the mortgage payment with the income available to pay it.

03Hotel and retail operations

Build revenue from rooms, rent, occupancy, and operating expenses.

04Public companies

Estimate a stock value from earnings growth, valuation, and the return you require.

Before using a result

A calculator is only as reliable as the numbers entered

A calculator can’t read a lease, inspect a roof, quote an insurance policy, or know what terms a lender will offer. The stock model also depends on estimates for earnings growth and the future P/E ratio, and both can turn out very differently.

I use these tools to compare possible outcomes. Before making a real investment, I would still need the original documents, several different estimates, and advice from qualified professionals.