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.

Browse by goal
Jump to a section or scroll the full library—every calculator opens in your market with exports where available.
Landlords & hosts
Shortlets, rent rules, increases, and investment yield—tuned to your market currency.
5 tools
Estimate monthly and yearly earnings from your shortlet. Enter nightly rate, occupancy, and fees. List on HubLets to start earning.
Open toolMax monthly rent from gross income at 25–40% (default 30%). Compare a lease to the guideline. PDF & Excel export.
Open toolModel 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 toolGross and net yield for landlords and developers. Property price vs annual rent. Add expenses for net yield %.
Open toolWhen does shortlet income cover your mortgage? Breakeven occupancy % or breakeven nightly rate. Unique combo.
Open toolBuyers & planners
Mortgage, affordability, monthly budgeting, taxes, and loan math in one place.
9 tools
Estimate monthly payments, total interest, and amortization. Add property tax, insurance, HOA, and PMI. See payment breakdown and loan payoff.
Open toolHow much house can I afford? Enter your income, debts, and down payment to see your estimated buying power and comfortable price range.
Open toolList monthly spending by category, optional take-home income, totals, surplus or shortfall, and a category chart. PDF and Excel export.
Open toolCompare the cost of renting versus buying over time. See break-even, total costs, and equity build-up to make an informed decision.
Open toolSee if refinancing could lower your payment. Compare current vs new rate and term, monthly savings, and break-even.
Open toolEstimate closing costs for your purchase. Typical 2–5% of loan: origination, appraisal, title, and more.
Open toolIllustrative charges for property transfer in Nigeria. Estimates only—not legal advice. Pair with closing cost calculator.
Open toolHow much to put down? See loan amount and estimated PMI when down payment is under 20%.
Open toolCheck your debt-to-income ratio. Front-end (28%) and back-end (36%) guidelines lenders use.
Open toolSellers
Estimate what you could walk away with after fees and payoff.
1 tool
Mortgage snapshot
Principal, interest, tax, insurance, and sometimes HOA or PMI. Use the mortgage calculator next to plug in your own numbers.
Example split (use the calculator for your numbers)
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.