Use Navikoo's fix and flip calculator to model a house flip before you buy. Estimate net profit, ROI, break-even sale price, rehab costs, holding costs, financing, and selling expenses in one analysis.
Account for purchase price, closing costs, rehab budget, contingency, holding costs, and selling expenses — all in one analysis.
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Net Profit, ROI & Margin
Instantly see your net profit, return on investment, annualized ROI, and profit margin after all costs and fees.
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Break-Even Sale Price
Visualize your break-even ARV on a threshold bar. Know exactly what you need to sell for to stay in the green.
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Sensitivity Sliders
Adjust ARV, rehab cost, and time delay with live sliders. See how each variable affects profit, ROI, and deal score — in real time.
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Comparable Sales Table
Compare your target ARV against recent nearby sales to validate your exit price before committing.
Key Fix & Flip metrics explained
Oak Ave, Phoenix AZ · Purchase $185,000 · ARV $295,000
Fix & Flip Analysis
✓ Strong Deal
Net Profit
$38,500
ROI
18.4%
Profit Margin
13.1%
Annualized ROI
36.8%
Purchase
$185,000
Closing Costs
$3,700
Rehab + Contingency
$48,400
Holding Costs
$6,480
Selling Costs
$17,700
Total Project Cost
$261,280
Break-Even Sale Price
◀ Loss
Break-even
$278,500
Your ARV
$295,000
Profit ▶
Net Profit
Sale price minus all costs and fees
ROI
Net profit / total cash invested
Annualized ROI
ROI adjusted for hold time
Profit Margin
Net profit / ARV
Break-Even ARV
Minimum sale price to cover all costs
Deal Score
0–100 composite quality indicator
Deal Score & Verdict
Instantly know if the deal is worth pursuing
After entering your numbers, Navikoo generates a 0–100 Deal Score based on your ROI, profit margin, and deal quality — with a clear verdict so you can decide fast.
✓
70-100 = Strong Deal (green)
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40-69 = Moderate Deal (amber)
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0-39 = Risky Deal (red)
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Score updates live as you adjust assumptions
Strong Deal
● Risky 0–39● Moderate 40–69● Strong 70+
⚙️ Sensitivity Analysis — Live Adjustments
ARV Change0% → profit +$0
Rehab Cost Change+10% → profit -$3,840
Time Delay+2 mo → profit -$2,160
Live adjusted result:
Net Profit
$32,500
ROI
15.6%
Score
74
Sensitivity Analysis
Stress-test every deal before making an offer
Adjust ARV, rehab cost, and time delay with live sliders. Every metric — profit, ROI, deal score, break-even — updates instantly so you can see your real margin of safety.
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ARV slider: ±20% from your target sale price
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Rehab slider: ±50% - because costs always vary
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Time delay: extra holding months add real costs
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Score and verdict update with every slider move
Comparable Sales
Validate your ARV against real market data
Navikoo includes a Recent Sales table with comparable properties so you can sanity-check your exit price before committing to a deal.
Address
Sold
Price
Beds/Bath
Sqft
$/Sqft
Oak Ave ← Your ARV
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$295,000
3 bd / 2 ba
1,450
$203
14 Maple Ave
Jan 2025
$268,000
3 bd / 2 ba
1,380
$194
38 Oak Street
Feb 2025
$285,000
3 bd / 2 ba
1,450
$197
7 Birch Lane
Mar 2025
$259,000
3 bd / 1 ba
1,320
$196
201 Cedar Blvd
Apr 2025
$291,000
4 bd / 2 ba
1,500
$194
💡 Market Insight: Your ARV of $295,000 is 4.2% above the average comparable sale ($283,500). Ensure renovation quality justifies the premium. Your ARV $/sqft of $203 is in line with comps averaging $195/sqft.
How this fix and flip calculator models a deal
A house flip is really five questions in sequence: what you pay to acquire the property, what you spend to renovate it, what it costs to own while the work happens, what it sells for, and what is left once every expense is paid. Navikoo asks for those inputs separately so nothing quietly disappears into a single rounded number.
Acquisition
Purchase price - what you agree to pay for the property.
Acquisition closing costs - title, escrow, transfer and lender fees due at purchase.
Rehab
Renovation budget - the scope you plan to complete before listing.
Contingency - a percentage buffer for the conditions you cannot see until walls are open.
Holding
Financing - interest and points if the purchase or rehab is funded with a loan.
Property taxes and insurance for the months you own the property.
Utilities and the other ownership expenses that run for the full holding period.
Exit
Projected ARV, or after repair value - the price you expect the finished property to sell for.
Selling expenses - commissions, seller-paid closing costs and concessions.
Returns
Net profit - what remains after every cost above.
ROI and annualized ROI - the return on the capital committed, and that return expressed as a yearly rate.
Profit margin - net profit measured against the sale price.
Break-even sale price - the number the property has to reach before the project stops losing money.
The 70% rule is a quick screening heuristic that some house flippers use when evaluating an offer. A commonly used version estimates a maximum purchase price as 70% of ARV minus rehab costs. It is fast, and it is useful for deciding which listings deserve a closer look.
What it does not do is account for every financing, holding, acquisition or selling expense, so it should not replace a full deal analysis. Two projects with the same ARV and the same rehab budget can end up with very different outcomes once one of them carries six months of loan interest and the other closes in cash. Navikoo models the individual cost inputs so investors can evaluate the complete project rather than relying on one shortcut.
If the rehab number is the part you are least sure of, build it line by line in the Rehab Cost Estimator. If the financing assumptions are doing the heavy lifting, compare them in the Loan Calculator before committing to a purchase price.
Common costs to include in a house flip
A house flip can look profitable on paper and still disappoint if important project costs are left out of the analysis. When you run a deal through a flip calculator, these are the line items worth confirming:
Acquisition closing costs - title, escrow and transfer fees at purchase.
A rehab contingency - the scope almost always grows once demolition starts.
Lender interest and points, where the deal is financed rather than paid in cash.
Property taxes for every month you hold the property.
Insurance, including any vacant-property or builder-risk coverage appropriate to the project.
Utilities kept on through the renovation and the listing period.
Additional holding time - permits, inspections and slow days on market all extend the clock.
Commissions and selling expenses, including any concessions negotiated at closing.
Entering each of these into a house flipping calculator rather than estimating them as one lump sum is what makes the resulting profit and ROI figures worth acting on.
Frequently Asked Questions
How do I calculate profit on a house flip?
Net profit = sale price − purchase price − closing costs − rehab costs − holding costs − selling expenses. Navikoo calculates all of this automatically and shows you net profit, ROI, and profit margin.
What is a good ROI for a house flip?
There is no universal ROI target for every flip. The return you require should account for financing costs, rehab uncertainty, holding time, market risk, and the amount of capital invested. Navikoo shows ROI, annualized ROI, profit margin, break-even price, and sensitivity results so you can evaluate the deal against your own investment criteria.
What are holding costs for a fix and flip?
Holding costs are expenses that accumulate while you own the property before selling — typically property taxes, insurance, utilities, and financing costs (interest, points). The longer you hold, the more they reduce your profit. Navikoo models these precisely.
What is the break-even sale price?
The break-even price is the minimum ARV (After Repair Value) you need to sell at to recover all your costs. Navikoo shows this on a visual bar chart so you can quickly see your margin of safety.