01Rent Affordability
Estimate an affordable rent budget from household income, obligations and a user-selected housing allocation.
Open calculator →02Rent Cost
Calculate total move-in cost from rent plus user-entered agency, legal, deposit, service and other charges.
Open calculator →03Rent Increase
Compare old and new rent in naira and percentage terms without making legal-validity claims.
Open calculator →04Property Purchase Cost
Calculate property price plus transaction-specific acquisition costs and immediate improvements.
Open calculator →05Property Affordability
Estimate the property price supported by equity, financing capacity, reserves and acquisition-cost assumptions.
Open calculator →06Mortgage Affordability
Work backward from income and obligations to a supportable mortgage payment and indicative loan principal.
Open calculator →07Rental Yield
Calculate gross and net rental yield while keeping financing and appreciation separate.
Open calculator →08Property Investment ROI
Combine rental contribution and property value change into an unleveraged total-return ROI model.
Open calculator →09Property Appreciation
Measure historical value growth or project future value using user-entered appreciation assumptions.
Open calculator →10Land Area
Calculate rectangular land area from measured dimensions and convert it across common area units.
Open calculator →11Land Size / Plot Converter
Convert known land areas and calculate plot equivalents only from a user-entered plot size.
Open calculator →12Property Cost per Square Metre
Compare property purchase or acquisition cost with usable floor, gross floor or land area.
Open calculator →13Rental Income
Calculate gross potential rent, effective rental income, vacancy allowance and net rental income.
Open calculator →14Property Cash Flow
Calculate recurring property cash flow after operating expenses, debt service and other cash costs.
Open calculator →15Buy vs Rent
Compare the estimated financial cost of buying and renting over the same user-selected period.
Open calculator → How the Property calculator family is structured
Renting: affordability, move-in cost and rent changes. Buying and financing: acquisition cost, property affordability and mortgage affordability. Investment performance: rental income, yield, cash flow, ROI and appreciation. Land and comparison: land area, plot conversion, cost per square metre and buy versus rent.
Finelib calculation principles
Property valuation is not the same as asking price or transaction price. Rental yield is not cash flow or ROI. Plot size is not a universal Nigerian measurement. Current mortgage rates, transaction charges and legal rules are not hard-coded as universal facts. Where a value varies by transaction, provider, location or time, the user supplies the assumption.
