Hard Money Calculators
8 free calculators for private, hard money and bridge lenders. They share one engine with our iPhone app, need no sign-up, and run in your browser.
- Hard Money Loan CalculatorMax loan, binding limit, holdback, points, interest and cash to close.
- Fix and Flip Loan CalculatorRehab holdback, initial advance, borrower cash and interest on dated draws.
- Private Money Loan CalculatorThe lender's view: points, interest, minimum interest and gross revenue.
- Loan Sizing CalculatorHow much a hard money lender will lend: As-Is LTV, LTC and LTARV side by side.
- Dutch Interest CalculatorDutch vs non-Dutch interest on the same loan, using your draw schedule.
- Hard Money Interest CalculatorInterest-only payments, scheduled interest, minimum interest and per diem.
- Hard Money Points CalculatorPoints in dollars and two quotes compared month by month.
- Investor Bridge Loan CalculatorPurchase bridge loans with no rehab: as-is sizing and interest reserve.
Pick a tool
Which calculator do I need?
Start from the question you're trying to answer. The five deal calculators each show the full result, so any of them can take you further.
| Your question | Use |
|---|---|
| How much will a lender lend on this deal, and which limit caps it? | Loan Sizing Calculator |
| Can I see the whole deal on one screen: size, holdback, points, interest and cash to close? | Hard Money Loan Calculator |
| It's a rehab loan with draws. How much cash does the borrower bring, and what is interest on the draws? | Fix and Flip Loan Calculator |
| What does the lender earn: points, fee, interest, minimum interest and gross revenue? | Private Money Loan Calculator |
| How much more does Dutch (full-balance) interest cost than interest on drawn funds? | Dutch Interest Calculator |
| What is the monthly interest-only payment, the per diem or the minimum interest? | Hard Money Interest Calculator |
| What are the points in dollars, and is a lower rate with more points the cheaper quote? | Hard Money Points Calculator |
| It's a purchase with no rehab. What does as-is sizing allow, and what does an interest reserve do to cash to close? | Investor Bridge Loan Calculator |
What every calculator has in common
- The deal calculators size the loan as the lowest of your As-Is LTV, LTC and LTARV limits and the financed project cost, rounded down to the dollar, and name the limit that sets it. The interest, Dutch interest and points calculators start from a loan amount you enter.
- Exact decimal math with the same rounding rules as the iPhone app, tested against the app's own code.
- Example deals are illustrations, not a standard program. Replace them with the lender's actual terms.
- Results are estimates, not a quote, approval or commitment to lend.
Every formula and rounding rule is on the methodology page.
What they don't calculate
The calculators model short-term, interest-only loans. They don't cover:
- refinances, BRRRR cash-out or DSCR rental loans
- amortizing payments or APR
- ARV estimates or comps
- 30/360 day counts or draw retainage
- title, escrow, taxes, insurance and other third-party closing costs
New to the terms? The glossary defines each one the way the calculators use it, and the guides work through them with real numbers.