Plan, simulate, and track your real estate investments. Build a multi-property portfolio, calculate professional-grade metrics like IRR, cap rate, and cash-on-cash returns, and project your wealth over 30 years — all for free.
From goal setting to advanced analytics, our tools cover every aspect of real estate investment planning and portfolio management.
Choose from four investment tiers — Starter, Growth, Wealth, or Financial Freedom — and the system calculates realistic property targets and timelines based on your actual finances.
Add apartments, houses, and commercial properties with detailed parameters: purchase price, down payment, rental income, appreciation rates, loan terms, and delivery dates.
Model complex loan structures with fixed and floating interest rates, zero-interest promotional periods, custom amortization schedules, and refinancing scenarios.
Visualize how your portfolio grows over time with detailed year-by-year projections of property values, equity buildup, rental income, and net worth.
Track monthly and annual cash flow across your entire portfolio. See exactly when each property becomes cash-flow positive and how income compounds over decades.
Get professional-grade metrics for every property: Cash-on-Cash Return, Internal Rate of Return (IRR), Capitalization Rate, and Debt Service Coverage Ratio (DSCR).
Monitor your debt-to-equity ratio, identify refinancing opportunities when equity builds up, and receive data-driven recommendations to optimize your portfolio.
Log actual property values over time, compare real performance against projections, set investment milestones, and receive periodic reminders to update your portfolio.
Go from zero to a fully analyzed multi-property portfolio in four simple steps.
Enter your initial capital, monthly income, and preferred currency. The tool adapts to your financial reality.
Select a tier from Starter (1 property) to Financial Freedom (5+ properties) and let the system calculate what's achievable.
Add properties one by one with detailed financial parameters: price, rent, loan structure, dates, and maintenance costs.
Review charts, projections, risk assessments, and acquisition timing recommendations. Refine your strategy with data.
The same analytics used by professional real estate investors and fund managers — calculated automatically for every property in your portfolio.
Measure annual pre-tax cash flow relative to total cash invested in a property.
Calculate the annualized return on investment accounting for the time value of money.
Evaluate a property's profitability by comparing net operating income to property value.
Assess whether rental income is sufficient to cover all mortgage and debt obligations.
Track how your ownership stake increases through principal paydown and property appreciation.
See your total wealth trajectory across all properties at 5-year intervals up to 30 years.
Real-world mortgages are rarely simple. Our simulator handles the complexity so you can make accurate projections.
Whether you are buying your first rental property or managing a growing portfolio, these tools adapt to your needs.
Understand how much you can afford, when to buy, and what returns to expect. The goal selector helps you set realistic targets based on your income and savings.
Model your next acquisition while considering existing loan obligations. The optimizer recommends the best timing for your next property based on accumulated equity.
Project your portfolio across decades with inflation-adjusted estimates. Track real progress against projections and adjust your strategy as markets evolve.
Common questions about the real estate portfolio builder and investment simulator.
A real estate investment simulator is a financial tool that lets you model different property investment scenarios before committing real money. You can input property details, loan terms, and market assumptions to project returns over 10, 20, or 30 years — helping you make informed decisions about when to buy, how much to borrow, and what returns to expect.
The portfolio builder uses industry-standard financial formulas including amortization schedules, compound appreciation, inflation-adjusted projections, and metrics like IRR (Internal Rate of Return), cap rate, and cash-on-cash return. It factors in fixed and floating interest rates, maintenance costs, rent increases, and currency depreciation for comprehensive analysis.
Yes. The portfolio builder is designed for multi-property investors. You can add as many properties as you want — each with unique parameters for price, rent, loan terms, and dates. The analysis dashboard aggregates all properties into portfolio-wide metrics while also providing property-by-property breakdowns.
Yes, the real estate portfolio builder and investment simulator are completely free. You can create an account to save your portfolio data and access it from any device, or use it without an account for quick calculations.
The tool supports apartments, houses, condominiums, townhouses, commercial properties, and more. Each property type has different default maintenance cost assumptions, and you can customize every parameter to match your specific investment.
The projections are based on the parameters you provide — appreciation rates, rent growth, inflation, and interest rates. While no tool can predict the future with certainty, the simulator uses conservative financial modeling that accounts for inflation, currency depreciation, and realistic maintenance costs to give you grounded estimates.
Free to use. No credit card required. Build your portfolio, run simulations, and make data-driven investment decisions.