Mortgage Calculator

Calculate monthly payments, total interest, and amortization schedule. Compare different loan scenarios and terms for Nigerian properties.

Loan Analysis Amortization Payment Planning

ROI Calculator

Calculate return on investment, cash-on-cash return, and capitalization rate. Analyze property profitability in Naira.

Profitability Cash Flow Investment Analysis

Rent vs Buy Calculator

Compare the financial implications of renting versus buying in Nigeria. Includes tax benefits and equity buildup.

Comparison Decision Making Financial Planning

Affordability Calculator

Determine how much house you can afford based on income, expenses, and debt-to-income ratio for Nigerian properties.

Budgeting Loan Qualification Financial Planning

Refinance Calculator

Analyze refinancing options, breakeven point, and potential savings. Compare current vs new loan terms in Nigeria.

Loan Optimization Savings Analysis Breakeven Point

1031 Exchange Calculator

Calculate tax deferral benefits and investment requirements for 1031 like-kind exchanges.

Tax Strategy Exchange Analysis Tax Deferral

BRRRR Calculator

Analyze Buy, Rehab, Rent, Refinance, Repeat strategy. Calculate maximum purchase price and refinance potential.

Flipping Rehab Analysis Investment Strategy

Cap Rate Calculator

Calculate capitalization rate, net operating income, and property value based on income approach in Naira.

Valuation Income Analysis Investment Comparison

Mortgage Calculator

₦3.00B
₦600.00M
18.5%
Private Mortgage Insurance (PMI)
Monthly Payment
Principal & Interest
₦37.58M
Total Monthly Payment
₦38.33M
Total Interest Paid
Over loan term
₦6.62B
Total Cost of Loan
Principal + Interest
₦9.02B
Pay-off Date
May 2044

Amortization Schedule

Year Principal Paid Interest Paid Remaining Balance

ROI Calculator

Total Investment
Cash required
₦149.00M
Annual Cash Flow
Net operating income
₦15.48M
Cash on Cash ROI
Annual return on cash
10.4%
Cap Rate
Net operating income / Value
5.2%
5-Year Appreciation
Estimated value growth
₦302.67M

5-Year Projection

Year Net Cash Flow Property Value Equity Gain Total Return

Rent vs Buy Calculator

Include Tax Benefits
Total Cost of Renting
Over 10 years
₦382.84M
Total Cost of Buying
Over 10 years
₦544.39M
Home Equity Built
Principal paid + appreciation
₦619.96M
Net Cost of Buying
Cost minus equity
-₦75.57M
Better Financial Choice
Based on net cost
BUYING

Year-by-Year Comparison

Year Rent Cost Buy Cost Buy Equity Net Buy Cost Difference