Property Calculator

PropCalc — Your complete real estate financial calculator.

Whether you're buying your first home or analyzing an investment property, PropCalc gives you instant, professional-grade financial analysis right on your phone.

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🏠 MORTGAGE CALCULATOR
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• Calculate monthly installments instantly
• View total payment and total interest over the life of the loan
• Full amortization table — see every month's principal, interest, and remaining balance
• Toggle between monthly and annual views
• Handles any loan amount, interest rate, and tenor (1–50 years)
• Precise calculations using financial-grade math (BigDecimal, no floating-point errors)

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📈 INVESTMENT CALCULATOR
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Complete property investment analysis with 6 professional yield metrics:

✦ Gross Rental Yield — Annual rent / Purchase price
✦ Net Rental Yield — Net rent / Total acquisition cost
✦ Capital Gain % — Resale profit as percentage of cost
✦ Total ROI — Combined rental + resale return
✦ Annualized ROI (CAGR) — Time-adjusted compound return
✦ Cash-on-Cash Return — Annual income / Equity invested

Input all real-world costs:
• Purchase price, stamp duty, legal fees
• Renovation and other acquisition costs
• Monthly rental income and annual operating expenses
• Expected resale price and selling costs
• Holding period and equity invested

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🏦 LOAN / LEVERAGE ANALYSIS
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See exactly how financing impacts your investment:

• Monthly and annual mortgage payment
• Total mortgage interest cost
• Equity required (auto-calculated)
• Annual cash flow after debt service
• Debt Service Coverage Ratio (DSCR) — color-coded health indicator
• Leveraged ROI — your actual return on cash invested
• Leveraged Annualized ROI — compound return on equity
• Compare leveraged vs. all-cash scenarios

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✨ WHY PROPCALC?
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✓ No sign-up required
✓ Works completely offline
✓ Bank-grade calculation precision (BigDecimal math)
✓ Clean Material Design 3 interface
✓ Color-coded results — green for gains, red for losses
✓ Instant results — no waiting
✓ Free to use

Perfect for:
• Home buyers comparing mortgage options
• Real estate investors analyzing deals
• Property agents advising clients
• Students learning real estate finance

Download PropCalc now and make smarter property decisions.