Property flip profit.

Fix and flip calculator measures profit from buy-renovate-sell strategy. Profit = Sale Price - (Purchase + Rehab + Holding Costs + Selling Costs). 150k purchase + 40k rehab + 6k holding + 15k selling costs (7%) = 211k total cost. 250k sale = 39k profit (18% ROI). Industry rule: target 20%+ ROI for time/risk involved.

Example: distressed property 150k purchase, 6-month rehab 40k, holding costs 6k (insurance, taxes, financing during rehab), sells for 250k, selling costs 7% (17.5k agent + closing). Net proceeds 232.5k. Total cost 196k. Profit 36.5k. ROI 18.6%. Annualised (6 months): 37%. Decent flip but with significant execution risk.

Fix and flip risks: (1) ARV doesn't materialise (overpriced for area), (2) Rehab over budget (always 20-30% overrun), (3) Sale takes longer (more holding costs), (4) Market shifts during rehab. Most flips fail not from bad math but from optimistic assumptions. Use 70% rule: max purchase = (ARV × 0.70) - rehab. Building margin into purchase price reduces downside if anything goes wrong.

Run it with sensible defaults

Using purchase price of 150,000, rehab cost of 40,000, holding costs of 6,000, expected sale price of 250,000, the calculation works out to 36,500.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Purchase Price, Rehab Cost, Holding Costs, Expected Sale Price (ARV), and Selling Costs % — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Profit = sale price minus selling costs minus all input costs (purchase + rehab + holding). The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

Why investors run this

Most people's intuition for compounding is wrong — not because the math is hard, but because linear thinking doesn't account for curves. Running numbers through a calculator like this one is the cheapest way to recalibrate that intuition before making an irreversible decision about contribution rate, asset mix, or retirement age.

What this doesn't capture

Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.