True Calculator

True Calculator is a professional financial calculator built for real estate agents, investors, and the clients they advise. It puts the numbers you need in one clean, fast app, so you can run a deal, size up a loan, or show a client the math in seconds.

What you can do

Time Value of Money: solve for payment, rate, term, present value, or future value.
Cash Flow and Returns: project a rental over your hold period and see NPV, IRR, cap rate, cash on cash, and DSCR, with and without debt.
Amortization: generate a full payment schedule and see how each payment splits between interest and principal.
Rent vs Own: help a client compare renting to buying, with a shareable summary.
Seller Net Sheet: estimate a seller's net proceeds including payoffs, commission, and closing costs.
Cap Rate and IRR: enter any two of value, income, and rate to get the third instantly.
Compare Deals: put two properties side by side, including the cash needed to close.
Offering Memorandum: turn a deal into a branded PDF you can send.
Plus bonds, depreciation, breakeven, statistics, date math, and more.

Built for professionals

Clean, fast, and easy to read on a phone.
Export and share polished PDF reports.
Add your own logo and accent color to reports on the Professional plan.

True Calculator is free to start, with optional Basic and Professional subscriptions that unlock the full set of investor tools and branded reports. Subscriptions are billed monthly and renew automatically unless canceled.

Questions or feedback? Contact us at paul@thetruecalc.com.