FIRE Real Estate Calculator Suite — JTBD RE Pulse
JTBD RE Pulse — FIRE Toolkit
Real Estate
FIRE Calculator Suite
Six calculators covering every number a FIRE investor needs — from your first house hack to a full rental portfolio.
Cash-on-Cash
Cash-on-Cash Return
How much does your deployed cash earn per year? The FIRE investor's core deal metric.
Income & vacancy
Gross monthly rentAll units combined
$2,600
Vacancy rateExpected vacant months / yr
5%
Monthly expenses
Mortgage (P+I)
$1,950
Property taxes
$400
Insurance
$120
Maintenance~1% value/yr
$200
Property management0% if self-managing
0%
Cash invested
Purchase price
$420K
Down payment %3–5% house hack · 20–25% investor
5%
Closing costs
$8,000
Repairs / rehab
$0
Live results
—NOI / yr
—Net cash flow
—Cash in
—CoC return
— — —
—FIRE portfolio equiv. at 4% rule
—Net monthly cash flow
—Of $50K FIRE target covered
Annual cash flow breakdown
CoC vs. benchmarks
How to pitch this
BRRRR Method Calculator
Buy, Renovate, Rent, Refinance, Repeat. Does the cash-out refi return your full investment so you can go again?
Purchase & renovation
Purchase price
$200K
Renovation cost
$40,000
Closing costs (buy)Typically 2–3%
$5,000
After-repair value & refi
After-repair value (ARV)
$300K
Refi LTV %Lender will lend up to X% of ARV
75%
Refi closing costs
$4,000
New mortgage rate %
7.0%
Rental income after refi
Monthly rent
$1,800
Monthly operating expensesTaxes, insurance, maintenance, mgmt
$600
Vacancy rate
5%
BRRRR analysis
—Total cash in
—Refi proceeds
—Left in deal
—Net cash flow/mo
— — —
BRRRR deal breakdown
Capital flow: in vs. recovered
BRRRR pitch
House Hack Analyzer
Compare living as an owner-occupant vs. pure investor. See the real cost of housing and the FIRE acceleration.
Property details
Purchase price
$420K
Down payment %3.5% FHA · 5% conv. · 3% Fannie/Freddie
5%
Mortgage rate %
7.0%
Monthly PITIPrincipal, interest, taxes, insurance
$2,500
Rental income
Total gross rent (all units)
$2,600
Owner unit % of total rent50% = duplex · 33% = triplex · 25% = 4plex
50%
Monthly maintenance & mgmt
$300
Your current situation
Current monthly rent you payWhat would you pay as a pure renter?
$2,100
Annual income (gross)Used to calculate savings rate impact
$90K
House hack analysis
—Your housing cost
—vs. renting, you save
—Annualised savings
—Savings rate boost
— — —
Renting vs. house hacking
10-year wealth gap: hacking vs. renting
House hack pitch
Real Estate vs. Stock Market
Which builds more wealth over 20 years? Model both paths with the same starting capital.
Starting capital (same for both)
Initial investmentDown payment = RE investment = stock lump sum
$60K
Time horizon (years)
20 yrs
Real estate assumptions
Property valueDown payment / LTV
$300K
Annual appreciation %
3.5%
Monthly net cash flowAfter all expenses & mortgage
$400
Principal paydown / moApprox. mortgage principal portion
$300
Stock market assumptions
Annual return %S&P 500 historical avg ~10%, real ~7%
7.0%
Monthly additional contributionsCash flow reinvested or added to index fund
$400
Wealth comparison
—RE total equity
—Stock portfolio
—RE cash flow/yr
—Winner
Wealth over time: real estate vs. stocks
Final wealth breakdown
RE vs. stocks context
Rent vs. Buy
FIRE-specific version: includes opportunity cost of down payment and break-even timeline.
Buying scenario
Home price
$500K
Down payment %
20%
Mortgage rate %
7.0%
Annual property taxes
$6,000
Annual insurance + maintenance
$5,000
Annual home appreciation %
3.5%
Renting scenario
Monthly rent
$2,500
Annual rent increase %
3%
Investment return on down payment %If you invested the DP instead
7%
Rent vs. buy analysis
—Monthly PITI
—Break-even (yrs)
—Net worth (buy, 20yr)
—Net worth (rent, 20yr)
Cumulative net worth over 20 years
Monthly cost comparison
Rent vs. buy context
Portfolio Paycheck
How many rental properties do you need to replace your income and hit your FIRE number?
Your FIRE target
Annual income to replaceYour FIRE "paycheck" from rentals
$60K
Target cash-on-cash return %Expected CoC across your portfolio
7%
Average property profile
Average property price
$350K
Average down payment %
20%
Net cash flow per property / mo
$350
Annual appreciation per property %
3.5%
Portfolio building pace
Properties you already own
0
Properties acquired per year
1
Portfolio paycheck
—Properties needed
—Total capital needed
—Years to FIRE
—Portfolio value at FIRE
Monthly income as portfolio grows
Portfolio milestone breakdown
Portfolio paycheck pitch
For illustrative purposes only. Not financial or investment advice. All figures are estimates — consult a licensed real estate professional before making investment decisions.  ·  JTBD RE Pulse
LET’S TALK!