Platform · Calculators · New
Run every scenario. Always free.
No account. No email. Open a calculator, type a number, and read the answer before you decide anything.
Calculators built for real estate markets in USA and Canada
- P&I$1,148
- Taxes$225
- Insurance$79
Loan amount $180,000 · 25-year fixed (5-year term) at 5.890%
Six calculators. One question each.
Every tool is complete on its own and connected to the rest. Open any of them free; the full result renders before you have typed anything.
Mortgage calculator
Estimate the full monthly payment: principal and interest, taxes, insurance, mortgage insurance, and dues, plus cash to close. Programs and closing costs follow the country you pick.
- Payment breakdown, amortization schedule, and cash to close in one view
- US loan programs and Canadian terms, with semi-annual compounding where it applies
- Preset scenarios: first-time buyer at 5% down, investor at 25% down
How payments change over the life of a 30-year loan
As the loan matures, more of each payment goes to principal and less to interest, until the balance reaches zero.
- Principal paid
- Interest paid
- Loan balance
Every scenario is a link.
Share result writes every assumption into the URL. Whoever opens it lands in the same calculator, fully populated with your exact model: no account on either end, no file, no export step.
Send a pro forma to a client, a schedule to a borrower, a refinance case to a partner. Their first experience is a working model, not an empty form. And a reset control sits beside it, so nobody is trapped in someone else's assumptions.
How it works.
Pick, type, share. Three steps, no submit button.
- 01
Pick the tool
Six calculators, each answering one question. Open the one that matches yours, or start from a preset scenario labeled by the situation it represents.
- 02
Adjust the assumptions
The result recalculates as you type. Paired fields accept a dollar amount or a percentage, whichever you know, and definitions sit one tap away where a term is genuinely contestable.
- 03
Share or keep going
Copy the share link and send the exact model to anyone, no account on either end. Or carry the number into the platform: comps, rents, and market cap rates are one question away in AI Search.
Annual pro forma
| Potential Rental Income | $30,000 |
|---|---|
| Other Income and Reimbursements | $50 |
| Vacancy2% of rental income | -$600 |
| Effective Gross Income | $29,450 |
| Property Taxes | -$1,000 |
| Insurance | -$150 |
| Utilities | -$50 |
| Maintenance | -$500 |
| Contract Services | -$500 |
| Total Expenses | -$2,200 |
| Net Operating Income | $27,250 |
| Cash Flow Before Tax | $27,250 |
Where a calculator ends, the data begins.
A cap rate you computed is arithmetic. Whether it is right for the submarket is data. The rest of VIREC picks up where the math stops.
Is the number defensible?
Ask AI Search for comparable sales, market cap rates, and underwriting-grade rent estimates, with sources cited on every answer.
Explore AI SearchTurn a ceiling into a search
Found your price ceiling in the affordability calculator? Search properties under it, by market, asset class, and assessed value, in Property Explorer.
Open Property ExplorerGround it in confirmed sales
Sales comps in the Intelligence Catalog are registry-confirmed ownership transfers. Check your pro forma against what actually traded.
Browse the Catalog
Built for every CRE professional.
Same six tools, different workflows.
Investors & developers
Run a stabilized year to cash flow before tax and cash-on-cash return, test the refinance against the renewal, and model yield on cost on a reposition, renovation budget included.
Brokers & agents
Price a listing from a target cap rate, hand a client a one-year statement with every assumption visible, and send the whole model as a link they can open without an account.
Lenders
Check DSCR and debt yield against your own thresholds, read the full amortization schedule year by year, and quantify the extra-payment effects a borrower will ask about.
Appraisers
Cross-check the income approach: solve value from net operating income and a market cap rate, or back the cap rate out of a confirmed sale, then pull registry-confirmed comps on the platform.
Construction teams
Model a reposition with the renovation budget inside total cost, and read the unlevered yield on cost before the first quote goes out.
Questions about the calculators.
Straight answers. No fine print.
Six free tools: a mortgage calculator, an amortization calculator, an affordability calculator, a cap rate calculator, a pro forma calculator, and a refinance and renewal calculator. Each answers one question, all recalculate as you type, and every scenario can be shared as a link.
Yes. Every calculation runs in full with no account, no email, and no credit card. The complete result renders for an anonymous visitor. A free account adds saving: scenarios on the rate-driven calculators re-price automatically when published rates move.
Yes. Pick Canada and payments use semi-annual compounding, affordability applies the qualifying rate, and the refinance tool treats renewal as its own decision. On a mid-term break, both prepayment rules, three months' interest and the interest rate differential, are computed and the binding one is named.
Renewal happens at the end of a Canadian term: you sign a new rate with no prepayment penalty and pay transaction costs only. Refinancing breaks the term early and triggers a prepayment charge. The calculator models both, plus the do-nothing alternative, over the horizon you choose.
Yes. It solves in any direction. Enter a target cap rate and net operating income to get a value, or enter value and income to get the cap rate. Operating expenses go in as a percentage or a total, whichever you know. Any field can be the answer.
One stabilized year: rental and other income, vacancy, itemized operating expenses, and debt service, down to cash flow before tax. Investment metrics cover total cost, going-in cap rate, unlevered yield on cost, and cash-on-cash return, plus DSCR and debt yield against thresholds you set.
Every defaulted or derived number carries a chip naming its origin: sample data, a published national average, an estimate for your postal code, or your own entry. Default rates are labeled national averages, never presented as your quote. Your lender sets your rate; the calculator says so.
Share result writes every assumption into the URL. Whoever opens the link lands in the same calculator, fully populated with your exact model, with no account required on either end. A reset control clears it back to the starting state at any time.
The calculators run with no account, no email, and nothing leaving the browser. A share link carries the assumptions in the URL itself, not on a server tied to you. Saving a scenario to re-price with the market is opt-in and requires a free account.
Run every scenario. Always free.
No account. No email. Open a calculator, type a number, and read the answer before you decide anything.
Open the calculators