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Real Estate

Fix and Flip Cash Flow Calculator

Calculate protected renovation cost, holding cash, financing reference, selling cost, total project cost, projected profit, and return references.

Purchase priceAcquisition and closing costsRenovation budgetRenovation contingency (%)Project holding monthsTaxes, insurance and utilities per monthFinanced amountAnnual financing rate (%)Expected sale priceSelling cost as sale-price share (%)

Renovation contingency-

Renovation budget including contingency-

Holding cost over project-

Simple financing-interest reference-

Selling cost-

Total modeled project cost-

Expected sale price minus total project cost-

Projected profit divided by total project cost-

Project cost less financed amount-

Projected profit divided by cash equity reference-

Decision view

Fix-and-flip cumulative cash staircase

Fix-and-flip cumulative cash staircaseAcquisition, protected renovation, holding months, financing interest, and selling cost accumulate against expected sale price.

Exact scenario comparisonProject holding months changes while all other entered assumptions remain constant.

Project holding months	Renovation contingency	Renovation budget including contingency	Holding cost over project	Simple financing-interest reference	Selling cost	Total modeled project cost	Expected sale price minus total project cost	Projected profit divided by total project cost	Project cost less financed amount	Projected profit divided by cash equity reference

Period-by-period detail

Monthly fix-and-flip holding-cost schedule

Each month accumulates entered holding cost and simple financing interest on top of acquisition and protected renovation cost.

How to use Fix and Flip Cash Flow Calculator

Enter acquisition, renovation, holding, financing, and sale assumptions.
Review protected renovation and monthly cost accumulation.
Use profit and cash-equity return together before judging the deal.

Calculator guide

Understanding Fix and Flip Cash Flow Calculator

A fix-and-flip deal only makes sense after acquisition, protected renovation, holding costs, financing interest, and selling costs are reconciled against the expected sale price.

Protect renovation cost Contingency is applied once to the renovation budget.

Accumulate time-based costs The financing reference uses simple interest over the entered holding months.

Calculate selling cost Selling cost is tied to the expected sale price.

Add total project cost Every modeled cash component is included before profit.

Calculation method

How the calculation works

Reconcile acquisition, protected renovation cost, holding cash, financing interest, and selling cost before calculating project and cash-equity return references. Add contingency to the renovation budget, accumulate holding and simple financing interest over the holding months, add selling cost, then compare total cost with expected sale price.

Detailed calculation process

Reconcile project cost, profit, and cash exposure

The default buys at $210,000, adds $9,000 acquisition cost, protects a $65,000 renovation budget by 12%, holds 8 months at $1,450/month, finances $180,000 at 10%, and expects a $340,000 sale with 7% selling cost.

General formula: Cont = Reno c/100Reno_p = Reno+ContHold = H_m nInterest = Loan APR n / 1200Sell = Sale s/100Cost = Buy+Acquire+Reno_p+Hold+Interest+SellProfit = Sale-CostROI = 100 Profit/CostCash = Cost-Loan The model protects renovation before adding time-based holding and financing costs. Selling cost is based on the expected sale price, and profit is what remains after all modeled costs.

What each symbol means

Reno, Cont, Reno_p Renovation budget, contingency, and protected renovation cost ($).

H_m, n Monthly holding cost ($/month) and holding months (months).

Loan, APR Financed amount ($) and annual financing rate (%).

Sale, s, Sell Expected sale price ($), selling-cost rate (%), and selling cost ($).

Cost, Profit Total modeled project cost and projected profit ($).

ROI, Cash Return on project cost (%) and cash equity reference ($).

Worked substitution with the default inputs

1. Protect renovation cost Cont = 65,000 x 12/100 = $7,800Reno_p = 65,000+7,800 = $72,800 Contingency is applied once to the renovation budget.

2. Accumulate time-based costs Hold = 1,450 x 8 = $11,600Interest = 180,000 x 10 x 8 / 1200 = $12,000 The financing reference uses simple interest over the entered holding months.

3. Calculate selling cost Sell = 340,000 x 7/100 = $23,800 Selling cost is tied to the expected sale price.

4. Add total project cost Cost = 210,000+9,000+72,800+11,600+12,000+23,800 = $339,200 Every modeled cash component is included before profit.

5. Reconcile profit and returns Profit = 340,000-339,200 = $800ROI = 100 x 800/339,200 = 0.235849%Cash = 339,200-180,000 = $159,200 The default is nearly break-even after all entered costs.

The default projected profit is $800, with a 0.236% return on project cost and $159,200 cash equity reference.

Purpose-built visual

Cumulative fix-and-flip cash curve

The staircase curve accumulates acquisition, protected renovation, monthly holding, financing interest, and selling cost against sale price.

Live The drawing is regenerated from the current inputs and calculated outputs.

Specific The chart type matches this calculator's math rather than a generic result card.

Auditable The plotted values reconcile with the formula steps and result fields.

Worked situations

Practical examples

The default buys at $210,000, adds $9,000 acquisition cost, protects a $65,000 renovation budget by 12%, holds 8 months at $1,450/month, finances $180,000 at 10%, and expects a $340,000 sale with 7% selling cost.
The default projected profit is $800, with a 0.236% return on project cost and $159,200 cash equity reference.

Better inputs

Useful tips

Build acquisition, rehabilitation, holding, financing, and sale assumptions from one dated project timeline.
Tie interest, utilities, taxes, and insurance to the entered holding months instead of treating them as one-time costs.
Test sale price and rehab contingency separately because either can erase a thin projected profit margin.

Before relying on the result

Limitations and common mistakes

Draw timing, compound interest, taxes, permits, delays, sale timing, commissions, appraisal, and market risk are excluded.
The financing interest is a simple planning reference.
The result can be sensitive to small sale-price or renovation changes.

Reference

Key terms

Protected renovation: Renovation budget plus entered contingency.
Holding cost: Monthly carrying cost multiplied by holding months.
Cash equity reference: Modeled project cost minus financed amount.

Important note

Calculated from the entered property and financing assumptions. It does not replace lender, appraisal, legal, tax, or investment review.

Frequently asked questions

Why is the profit so small in the default case?

The expected sale price barely exceeds the modeled all-in project cost.

Does financing interest compound?

No. The formula uses a simple interest reference.

Are taxes included?

No. Taxes and entity costs must be evaluated separately.

Can cash equity be negative?

It can if financed amount exceeds modeled cost, but that would need lender-specific review.