Free tools

Free tools to run the numbers first.

Before you buy, sell, mortgage, refinance, renovate or rent out a property, use AssetCentral’s free calculators and AI property checks to see whether the numbers make sense. No account required.

Mortgage calculator

Can I afford this property?

Monthly payment, deposit, total interest, stamp duty / transfer tax, affordability warning.

Inputs: Country · Resident or non-resident · Property price · Deposit · Rate · Term · Loan type

Run mortgage numbers →

Buy-to-let calculator

Does this property make money?

Gross yield, net yield, monthly cash flow, levered IRR — plus AssetCentral verdict.

Inputs: Purchase price · Deposit · Mortgage rate · Annual rent · Exit price · Hold period

Check buy-to-let →

Sell or hold checker

Should I keep this property or sell?

Equity today, hold-vs-sell ending wealth, return on equity, simple hold/sell signal.

Inputs: Current value · Mortgage balance · Monthly cash flow · Growth % · Alt return % · Horizon

Run sell or hold →

Refinance checker

Would a new mortgage improve my return?

Old payment vs new payment, monthly saving, fee payback, 5- and 10-year net.

Inputs: Current balance · Current rate · New rate · New term · Arrangement fee · Exit fee

Check refinance →

Renovation ROI checker

Are the works worth doing?

Works cost, rent uplift, value uplift, project NPV, payback period.

Inputs: Upgrade cost · Monthly rent uplift · Valuation uplift · Hold period · Discount rate

Check works ROI →

Rent-out checker

What rent do I need to cover my costs?

Break-even rent, rent needed to hit your target margin, monthly margin after costs.

Inputs: Mortgage · Service charge · Insurance · Maintenance % · Management % · Vacancy

Check rent needed →

Short-let vs long-let checker

Would short-term rental outperform a long tenant?

Annual income each way, occupancy sensitivity, cost difference, basic recommendation.

Inputs: ADR · Occupancy % · Operator commission · Annual costs

Compare rental options →

Ownership comparator

Cash purchase or mortgage — which wins?

Cash-on-cash, levered IRR, year-1 cashflow at two LTVs side-by-side.

Inputs: Purchase price · LTV options · Mortgage rate · Annual rent · Hold period

Compare ownership →

Free 7-day trial

Off-plan rolling-return calculator

Does this off-plan investment still make sense?

Deposit exposure, remaining payments, estimated value, rolling return, exit options.

Inputs: Launch date · Payment plan · Growth periods · Current market value · Cost of money · Project / area

See what's inside →

Want to track your portfolio, not just individual assets?

AssetCentral imports calculator results into a full portfolio workspace.

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