Hard Money Real Estate Loan Calculators

Calculators that calculates key metrics such as payment, amortization, net profit, ROI and more.

A hard money loan calculator is an essential tool for real estate investors seeking to evaluate the financial aspects of short-term, asset-based loans. These calculators help determine key metrics such as monthly payments, total interest costs, and potential profits, enabling investors to make informed decisions about their projects.

How to Use a Hard Money Loan Calculator

  1. Input Loan Details: Enter the desired loan amount, interest rate, and loan term.
  2. Include Property Costs: Add information about the property's purchase price, estimated renovation expenses, and ARV.
  3. Account for Additional Fees: Incorporate any origination fees, closing costs, and monthly holding expenses.
  4. Review Calculations: Analyze the output, which typically includes monthly payment amounts, total interest paid, and projected profit margins.

Fixed Rate Real Estate Calculator

Interest Only Calculator

Key Features of Hard Money Loan Calculators


  • Loan Amount and Terms: Input fields for the principal loan amount, interest rate, and loan duration to calculate monthly payments and overall costs.
  • Interest Calculations: Options to compute interest-only payments, common in hard money loans, where the principal is repaid at the end of the term.
  • Additional Costs: Inclusion of fees such as origination points, closing costs, and holding costs to provide a comprehensive financial overview.
  • Profit Estimation: Tools to project potential profits by considering factors like purchase price, renovation costs, and the property's after-repair value (ARV).

Benefits of Using a Hard Money Loan Calculator

  • Informed Decision-Making: Accurately assess the viability and profitability of an investment before committing funds.
  • Financial Planning: Understand cash flow requirements, including monthly payment obligations and lump-sum payments at loan maturity.
  • Risk Mitigation: Identify potential financial shortfalls or excessive costs early in the planning process.


Utilizing a hard money loan calculator helps streamlines the financial analysis process, providing real estate investors with the insights needed to pursue profitable opportunities while effectively managing risks.

What People Say

Andrew N.

"Envesty came through with the funds I needed when no other lender would."