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.
Free planning calculators
Estimates only
Outputs are illustrative—confirm rates and fees with lenders and agents.
Multi-currency
NGN, GBP, USD, ZAR, and other codes where country tools support them.
No signup
Run calculators before creating a HubQuery account.
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.
9 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 toolShortlet vs Long-Let
Compare nightly shortlet income against traditional annual rent on the same property—monthly net, yields, and break-even occupancy.
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 toolCap Rate Calculator
NOI ÷ price for capitalization rate, plus implied value at a target cap. Stress-test vacancy and price.
Open toolBreak-Even Rent Calculator
Fixed monthly costs vs target occupancy—or shortlet nights—to find the rent or ADR that covers the property.
Open toolMortgage–shortlet breakeven
When does shortlet income cover your mortgage? Breakeven occupancy % or breakeven nightly rate. Unique combo.
Open toolHubPremier ROI Calculator
Agents: model zone fees vs exclusive leads, close rate, and commission to estimate Premier ROI.
Open toolBuyers & Planners
Buying & Financing
Mortgage, affordability, monthly budgeting, taxes, and loan math in one place.
15 tools
Sellers
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.