House Flipping Profit Calculator

Test the economics of a renovation resale with MiniWebtool’s House Flipping Profit Calculator. Purchase price, repairs, sale price, and project costs produce estimated net profit and return measures, plus a maximum purchase price under the 70% Rule.

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Help me understand MiniWebtool's House Flipping Profit Calculator: https://miniwebtool.com/house-flipping-profit-calculator/. What can I use it for, what inputs or settings do I need, and how do I use it and understand the output? Walk me through one simple example. Use this page as your source and answer in English.

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House Flipping Profit CalculatorTry it now — free ▼

Buy $200,000, repair $50,000, sell $320,000: profit $37,200

Enter the purchase price, repairs, after-repair value, months held, closing and agent costs, plus optional financing and monthly costs.

Try:

🏠 Property Details

Purchase Price (required)

Repair / Renovation Costs (required)

After Repair Value (ARV) (expected sale price)

Holding Period (months)

📋 Closing Costs & Commission

Buying Closing Costs

Selling Closing Costs

Agent Commission (% of sale price)

🏦 Financing

Use Financing?

Loan-to-Value (LTV)

Interest Rate (annual)

Loan Points / Origination Fee

📅 Monthly Holding Costs

Property Taxes

Insurance

Utilities

HOA Fees

Other Monthly Costs

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About House Flipping Profit Calculator

The House Flipping Profit Calculator is a comprehensive tool for real estate investors who buy, renovate, and sell properties for profit. Whether you are evaluating your first flip or analyzing your hundredth deal, this calculator accounts for every cost — purchase price, renovation budget, closing costs, agent commissions, holding costs, and financing — to give you an accurate picture of your potential net profit and return on investment.

At a Glance

House Flipping Profit Calculator estimates the net profit and return on a renovate-and-resell deal. It uses purchase price, repairs, after repair value, closing costs, commissions, holding costs and financing, and checks the 70% Rule.

House Flipping Profit Calculator: features at a glance
Feature	What you get	Good for
Cost inputs	Purchase price, repair budget, after repair value (ARV), buying and selling closing costs, agent commission and monthly holding costs.	Investors costing a deal line by line
Net profit and ROI	Shows net profit, ROI on cash invested (net profit / total cash invested x 100%) and annualized ROI.	Comparing a 3-month flip with a 9-month flip
70% Rule	Maximum purchase price = ARV x 70% - repair costs. For a $300,000 ARV and $50,000 repairs, the maximum is $160,000.	Screening a deal before making an offer
Financing	Optional loan inputs: loan-to-value ratio, interest rate and points, for hard money or conventional loans.	Comparing a financed flip with an all-cash flip
Charts	A waterfall chart traces money from ARV to profit, and a timeline compares cumulative cost against ARV.	Seeing where the sale proceeds go
Deal rating	Each deal gets a quality rating from Excellent to Money-Losing.	A quick read on whether a deal holds up

What Is House Flipping?

House flipping is a real estate investment strategy where an investor purchases a property (usually below market value), renovates it to increase its value, and then sells it for a profit. The key to success is buying right, controlling renovation costs, and selling quickly to minimize holding costs.

Key Metrics Explained

After Repair Value (ARV)

The ARV is the estimated market value of the property after all renovations are complete. It is determined by analyzing comparable sales (comps) of recently sold, similar properties in the same area. Getting an accurate ARV is the single most important factor in evaluating a flip deal.

The 70% Rule

The 70% Rule is a widely-used guideline among house flippers to quickly evaluate whether a deal is worth pursuing:

Maximum Purchase Price = ARV × 70% − Repair Costs

For example, if a property has an ARV of $300,000 and needs $50,000 in repairs, the maximum you should offer is $300,000 × 0.70 − $50,000 = $160,000. The remaining 30% of ARV covers closing costs, commissions, holding costs, and your profit margin.

Pro Tip: The 70% Rule is a quick screening tool, not a substitute for detailed analysis. In competitive markets, experienced flippers may accept tighter margins (75% Rule), while beginners should stick to 65-70% for a safety buffer.

Return on Investment (ROI)

ROI measures the percentage return on the cash you invested. It is calculated as:

ROI = (Net Profit ÷ Total Cash Invested) × 100%

Since house flips vary in duration, Annualized ROI normalizes the return to a 12-month basis, allowing you to compare a 3-month flip with a 9-month flip on equal terms.

Cost Categories in a House Flip

House Flipping Profit Calculator: Cost Categories in a House Flip
Cost Category	Typical Range	Notes
Purchase Price	Varies	Aim for below-market distressed properties
Repair / Renovation	$15,000 – $100,000+	Always add a 10-20% contingency buffer
Buying Closing Costs	1% – 3%	Title insurance, inspections, recording fees
Selling Closing Costs	1% – 3%	Title fees, transfer taxes, escrow
Agent Commission	5% – 6%	Typically split between buyer and seller agents
Monthly Holding Costs	$500 – $2,000+	Taxes, insurance, utilities, HOA, lawn care
Financing (Hard Money)	8% – 15% APR + 1-3 pts	Interest-only payments, short-term

How to Use This Calculator

Enter Purchase Details — Input the property purchase price and total estimated repair costs.
Set After Repair Value (ARV) — Research comparable sales to estimate the post-renovation selling price.
Configure Costs — Adjust closing cost percentages, agent commission, and monthly holding costs.
Add Financing (Optional) — If using a loan (hard money, conventional, etc.), enter the loan-to-value ratio, interest rate, and points.
Review Results — Analyze your net profit, ROI, 70% Rule check, and interactive cost breakdown charts.

Tips for Successful House Flipping

Buy right — The profit is made at purchase, not at sale. Never overpay.
Get accurate repair estimates — Walk the property with a contractor before making an offer. Add 15-20% contingency for surprises.
Know your market — Study comparable sales, days on market, and neighborhood trends.
Minimize holding time — Every month you hold costs money. Plan renovations efficiently and list quickly.
Build a reliable team — Good contractors, agents, and lenders are essential partners.
Have reserves — Keep 3-6 months of holding costs as reserves for unexpected delays.

Frequently Asked Questions

What is the 70% Rule in house flipping?

The 70% Rule states that an investor should pay no more than 70% of a property's After Repair Value (ARV) minus repair costs. It is a quick screening formula to ensure adequate profit margin. For example, if ARV is $300,000 and repairs cost $50,000, the maximum offer should be $300,000 × 0.70 − $50,000 = $160,000.

What is a good ROI for a house flip?

Most experienced flippers target a minimum 10-20% ROI on their total cash invested. Deals with over 20% ROI are considered excellent. However, the best metric is annualized ROI since a 15% return in 3 months is far better than 15% over 12 months.

What costs are involved in flipping a house?

The main costs include: purchase price, renovation/repair costs, buying closing costs (1-3% of purchase price), selling closing costs (1-3% of sale price), real estate agent commissions (5-6% of sale price), monthly holding costs (property taxes, insurance, utilities, HOA), and financing costs (interest payments, origination fees/points).

How long does a typical house flip take?

Most flips take 3-9 months from purchase to sale. Simple cosmetic renovations may take 2-3 months, while major gut renovations can take 6-12 months. The holding period significantly affects total costs and ROI.

Should I use financing or all cash for a house flip?

Both have trade-offs. All cash eliminates interest costs and provides faster closings, but ties up more capital. Financing (hard money loans) lets you leverage your cash across multiple deals but adds interest and loan fees. Use the calculator to compare both scenarios.

What is hard money lending?

Hard money loans are short-term, asset-based loans commonly used by house flippers. They typically offer 65-80% loan-to-value, charge 8-15% annual interest, require 1-3 origination points, and feature interest-only monthly payments with a balloon payment at sale.

Reference this content, page, or tool as:

"House Flipping Profit Calculator" at https://MiniWebtool.com/house-flipping-profit-calculator/ from MiniWebtool, https://MiniWebtool.com/

by miniwebtool team. Updated: Mar 2, 2026

Developer API available: Run this tool from your app, automation, or agent with one JSON HTTP request. View API docs

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