Free Fix-and-Flip ROI Calculator (2026)
Project profits and returns on renovation projects
Why Fix-and-Flip Matters
Fix-and-flip projects require precise ROI calculations that account for acquisition costs, renovation budgets, holding costs, and selling expenses. Our calculator models the complete flip cycle from purchase through resale, computing your projected profit, return on investment, and annualized return based on your estimated timeline. Evaluate whether a potential flip meets your minimum return threshold before committing capital.
Best For
Fix-and-flip investors evaluating potential deals
Agents sourcing deals for investor clients
New flippers learning to analyze rehab projects
Tips & Best Practices
Apply the 70% rule as a quick screen: maximum purchase price equals 70% of ARV minus repair costs
Add 15-20% contingency to your renovation budget for unexpected issues that arise during construction
Include all holding costs in your analysis: loan interest, utilities, insurance, taxes, and property maintenance
Annualize your return to compare flips of different durations on an equal basis
Frequently Asked Questions
Most experienced flippers target a minimum 15-20% return on total investment (purchase + rehab + holding + selling costs) for projects completed in 4-6 months. Annualized, this translates to 30-50%+ returns. Shorter timelines amplify annualized returns, which is why speed of execution matters. Deals with less than 10% projected ROI generally do not provide sufficient margin for error.
Holding costs include monthly loan payments or hard money interest, property taxes (prorated monthly), insurance, utilities, and any HOA fees. On a $300,000 acquisition with a 12% hard money loan, monthly interest alone is $3,000. Add $400 for taxes, $150 for insurance, and $200 for utilities, and you are spending $3,750 per month to hold the property. A project that takes two months longer than planned costs an extra $7,500 in holding costs alone.
Budget 8-10% of the sale price for total selling costs: agent commissions (5-6%), closing costs (1-2%), transfer taxes (0.5-2% depending on location), staging ($1,000-$3,000), and miscellaneous fees. On a $400,000 sale, that is $32,000-$40,000 in selling costs. Underestimating selling costs is one of the most common reasons flippers miss their profit targets.
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