Plan smarter with free real estate calculators
Every tool below uses naira (₦) and Nigerian context: mortgage defaults (~18% p.a., ~20-year tenor), annual rent and two-year reviews where relevant, typical agency commission on sales, and local closing/transfer notes. Adjust any figure to match your bank or lawyer.
- Amounts in naira (₦) with mortgage and rent defaults suited to Nigeria.
- PDF, Excel, and shareable summaries on supported tools.
- No account required—open any calculator and start typing.
Browse by goal
Find the right tool
Jump to a section or scroll the full library—every calculator opens in your market with exports where available.
Landlords & hosts
Hosts, rent & yield
Shortlets, rent rules, increases, and investment yield—tuned to your market currency.
5 tools
Shortlet Revenue Calculator
Estimate monthly and yearly earnings from your shortlet. Enter nightly rate, occupancy, and fees. List on HubLets to start earning.
Open toolRent affordability (30% rule)
Max monthly rent from gross income at 25–40% (default 30%). Compare a lease to the guideline. PDF & Excel export.
Open toolRent Increase Calculator
Model a rent increase in naira (₦). In Nigeria, rent is usually paid annually and reviewed every two years. Enter monthly equivalent (annual ÷ 12) to compare before and after.
Open toolRental Yield Calculator
Gross and net yield for landlords and developers. Property price vs annual rent. Add expenses for net yield %.
Open toolMortgage–shortlet breakeven
When does shortlet income cover your mortgage? Breakeven occupancy % or breakeven nightly rate. Unique combo.
Open toolBuyers & planners
Buying & financing
Mortgage, affordability, monthly budgeting, taxes, and loan math in one place.
9 tools
Mortgage Calculator
Estimate monthly payments, total interest, and amortization. Add property tax, insurance, HOA, and PMI. See payment breakdown and loan payoff.
Open toolAffordability Calculator
How much house can I afford? Enter your income, debts, and down payment to see your estimated buying power and comfortable price range.
Open toolMonthly expense planner
List monthly spending by category, optional take-home income, totals, surplus or shortfall, and a category chart. PDF and Excel export.
Open toolRent vs. Buy Calculator
Compare the cost of renting versus buying over time. See break-even, total costs, and equity build-up to make an informed decision.
Open toolRefinance Calculator
See if refinancing could lower your payment. Compare current vs new rate and term, monthly savings, and break-even.
Open toolClosing Cost Calculator
Estimate closing costs for your purchase. Typical 2–5% of loan: origination, appraisal, title, and more.
Open toolStamp duty & transfer tax
Illustrative charges for property transfer in Nigeria. Estimates only—not legal advice. Pair with closing cost calculator.
Open toolDown Payment Calculator
How much to put down? See loan amount and estimated PMI when down payment is under 20%.
Open toolDTI Calculator
Check your debt-to-income ratio. Front-end (28%) and back-end (36%) guidelines lenders use.
Open toolSellers
Selling & proceeds
Estimate what you could walk away with after fees and payoff.
1 tool
Mortgage snapshot
How monthly payments break down
Principal, interest, tax, insurance, and sometimes HOA or PMI. Use the mortgage calculator next to plug in your own numbers.
Typical monthly payment breakdown
Example split (use the calculator for your numbers)
Quick tips
- 1Start with the mortgage calculator using your target price and down payment.
- 2Run affordability to see a comfortable range before you shop.
- 3Compare rent vs buy when you are on the fence about timing.
Related guides
Deep-dive guides on affordability, mortgages, rent vs. buy, and first-time buying to help you plan.
All tools are estimates. For your situation, talk to a lender or use our Find an agent to connect with verified professionals.