Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Cash left in the deal
$9,000
Refinance loan amount
$240,000
Monthly cash flow after refi
$73.27
Equity retained
$80,000
All-in cost
$249,000
Cash-on-cash on remaining cash
9.8%
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter purchase price ($).
- 2Enter rehab cost ($).
- 3Enter holding + closing costs ($).
- 4Enter after repair value ($).
- 5Enter refinance ltv (%).
- 6Enter refinance rate (%).
- 7Enter monthly rent ($).
- 8Enter monthly operating expenses ($).
- 9Read your cash left in the deal on the right — it updates as you type.
- 10Hit Share to keep the scenario or send it to someone.
About this calculator
The whole point of BRRRR is recycling capital. If the refinance returns all of your cash, your cash-on-cash return is technically infinite — but only if the after-repair value holds up.
Worked example
Using the values the calculator loads with:
Inputs
- Purchase price: 180000 $
- Rehab cost: 55000 $
- Holding + closing costs: 14000 $
- After repair value: 320000 $
- Refinance LTV: 75 %
- Refinance rate: 7 %
- Monthly rent: 2450 $
- Monthly operating expenses: 780 $
Results
- Cash left in the deal: $9,000.00
- Refinance loan amount: $240,000.00
- Monthly cash flow after refi: $73.27
- Equity retained: $80,000.00
- All-in cost: $249,000.00
- Cash-on-cash on remaining cash: 9.8%
What each field means
Inputs
- Purchase price ($)
- The purchase price used in the calculation, measured in $. Starts at 180000 $ so you have a working example on load.
- Rehab cost ($)
- The rehab cost used in the calculation, measured in $. Starts at 55000 $ so you have a working example on load.
- Holding + closing costs ($)
- The holding + closing costs used in the calculation, measured in $. Starts at 14000 $ so you have a working example on load.
- After repair value ($)
- The after repair value used in the calculation, measured in $. Starts at 320000 $ so you have a working example on load.
- Refinance LTV (%)
- The refinance ltv used in the calculation, measured in %. Starts at 75 % so you have a working example on load. Accepted range: 50–90 %.
- Refinance rate (%)
- The refinance rate used in the calculation, measured in %. Starts at 7 % so you have a working example on load.
- Monthly rent ($)
- The monthly rent used in the calculation, measured in $. Starts at 2450 $ so you have a working example on load.
- Monthly operating expenses ($)
- The monthly operating expenses used in the calculation, measured in $. Starts at 780 $ so you have a working example on load.
Results
- Cash left in the deal
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Refinance loan amount
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Monthly cash flow after refi
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Equity retained
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- All-in cost
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Cash-on-cash on remaining cash
- Returned as a percentage. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the brrrr strategy calculator work?
The whole point of BRRRR is recycling capital. If the refinance returns all of your cash, your cash-on-cash return is technically infinite — but only if the after-repair value holds up. The underlying maths is: Cash left = (Purchase + rehab + costs) − (ARV × LTV).
What do I need to enter?
8 values: purchase price, rehab cost, holding + closing costs, after repair value, refinance ltv, refinance rate, monthly rent, and monthly operating expenses. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the cash left in the deal result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). BRRRR Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/brrrr
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/brrrr" target="_blank" rel="noopener">BRRRR Calculator — RevenueLab</a> (2026).</p>
Source: [BRRRR Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/brrrr) (2026).