Find a safe offer
Estimate the maximum allowable offer (MAO) before negotiating.
What is a wholesale real estate calculator?
A wholesale real estate calculator helps you answer one important question: Is there enough room in this deal for both the wholesaler and the end buyer? Navikoo checks seller price, repair costs, property value, fees, financing, and buyer returns together—not just the difference between two prices.
Estimate your earnings
Calculate gross assignment fee and potential net wholesale profit.
Protect your buyer
Check whether a flip, rental, or BRRRR deal meets buyer requirements.
Two ways to run the numbers
Choose the mode that matches where you are in the deal.
01 · BEFORE YOU OFFER
Find My Maximum Offer
“How much can I offer the seller?”
- Set your desired wholesale profit
- Enter buyer strategy and required return
- See a ceiling and an offer ladder
02 · AFTER YOU HAVE A PRICE
Calculate Wholesale Profit
“How much could I actually make?”
- Enter seller and end-buyer prices
- Compare assignment or double-close costs
- Check net profit and buyer feasibility
See a real example of the Maximum Offer result
This is an actual Navikoo result screen for an illustrative Fix & Flip deal. It shows the maximum seller offer and how the buyer's numbers are affected.
MAXIMUM SELLER OFFER
$154,000
Financial ceiling with these assumptions—not a property appraisal.
Wholesale net profit
$10,000End-buyer price
$164,000Buyer flip profit
$38,452Buyer ROI
91.7%Your offer ladder
Opening offer$135,000
Target offer$146,000
Walk-away ceiling$154,000
The maximum allowable offer (MAO) is your modeled limit. Start lower when negotiating; verify repairs, closing costs, and buyer financing before committing.
Calculate Wholesale Profit: a $25,000 example
Already under contract? Enter what the seller agreed to accept and what your buyer will pay. This simple assignment example shows the difference between gross spread and net wholesale profit.
Seller contract
$120,000End-buyer price
$145,000Gross assignment fee
$25,000Net profit with $0 modeled costs
$25,000In that test, the buyer's modeled flip profit was $38,600 (20.2% ROI). Fees, JV splits, and double-closing costs may lower the wholesaler's net profit. A profitable fee also does not guarantee the deal works for the buyer.
What if the wholesale deal doesn't work?
Navikoo doesn't just say “not feasible.” It identifies which buyer requirement failed, how far off the numbers are, and what changes might be worth checking.
⚠ BUYER PROFIT REQUIREMENT NOT MET
$83,700 shortfall
Modeled flip result: −$58,700
Buyer's required flip profit: $25,000
Buyer's required flip profit: $25,000
What to revisit
- 🏠 ARV: Check recent comparable sales.
- 🛠️ Repairs: Verify scope and contingency.
- 🤝 Price and fee: Test a lower contract price or wholesale fee.
- 🔁 Buyer strategy: Compare flip, rental, or BRRRR assumptions.
What-if check: A 10% rehab-budget reduction still failed in the example. Navikoo reruns scenarios rather than promising every change will solve the deal.
How to use the wholesale calculator, step by step
01
Pick your goal
Find a maximum offer or calculate profit on a deal under contract.
02
Choose the buyer
Select Fix & Flip, Rental, or BRRRR.
03
Enter the numbers
Add prices, ARV, repairs, rent, financing, and transaction expenses.
04
Set return targets
Enter your fee target and the end buyer's requirements.
05
Check the outcome
Review your profit, the buyer's return, and any shortfall.
06
Compare and save
Adjust assumptions, inspect the full report, and save the analysis.
Why the end buyer's strategy matters
A buyer who wants to flip a house judges the deal differently from one who plans to rent or refinance it. Select the right model before deciding on your offer.
Fix & Flip
ARV, rehab, selling costs, holding period, buyer flip profit and ROI
Explore Fix & Flip calculator →Rental
Monthly rent, vacancy, operating expenses, cash flow and cash-on-cash return
Explore Rental calculator →BRRRR
Rehab, rent, refinance LTV, DSCR, cash left invested and post-refinance cash flow
Explore BRRRR calculator →Need more detail? Build repair estimates with the Rehab Cost Estimator or test borrowing costs with the Loan Calculator.
Assignment fee vs. double closing: what's the difference?
Assignment of contract
You typically transfer your rights under an assignable purchase contract to an end buyer and earn an assignment fee.
Gross fee ≠ guaranteed net profitDouble closing
Two separate property sales occur. You may incur two sets of closing costs plus transactional funding fees.
Additional costs affect net profitStructure, disclosures, financing, and state rules matter. Learn more from the Rhode Island Association of REALTORS® explanation of wholesaling.
What Navikoo can help with — and what it can't
✓ Navikoo helps you
- Estimate maximum allowable offers and net wholesale profit.
- Check buyer returns and spot failed requirements.
- Test new assumptions and save analyses.
ⓘ What still needs verification
- Title, repairs, comps and rental assumptions.
- Buyer funding, contract rights and closing costs.
- Local licensing, registration and disclosure rules.
Navikoo does not guarantee buyers, financing or valuations and is not legal advice. Rules vary by state. For example, see Oregon Real Estate Agency guidance; confirm the rules applicable to your property with a qualified professional.
Wholesale real estate calculator FAQs
What is a maximum allowable offer (MAO)?
The highest seller price that still meets the modeled expenses and required returns for the wholesale deal and buyer. It is a planning ceiling, not a guaranteed offer or appraisal.
How do I calculate a wholesale assignment fee?
Gross assignment fee is the end-buyer's agreed price minus the seller's contract price. For example, $145,000 minus $120,000 equals $25,000 before expenses and possible JV costs.
Is the Navikoo wholesale calculator free?
Yes, calculations are unlimited. Saving analyses is subject to your account's Saved Analyses allowance.
Can I analyze rental and BRRRR buyers?
Yes. Choose Fix & Flip, Rental or BRRRR to evaluate the buyer's financial requirements, including cash flow, refinance assumptions and return targets where applicable.
Why does my result say no feasible offer?
At least one modeled buyer requirement cannot be met with the current assumptions. Navikoo shows the shortfall and lets you test changes instead of presenting a misleading offer.
What's the difference between gross and net wholesale profit?
Gross profit starts with the price spread. Net profit subtracts modeled wholesale expenses, double-closing or funding costs where applicable, and partner participation.
Do I need a real estate license to wholesale?
Requirements depend on the state and your actual activities, including assignments, advertising, representations and disclosures. Check the applicable state regulator and a qualified local attorney.
Is the 70% rule enough for a wholesale deal?
No. It's a rough screening heuristic sometimes used by flippers. Real deals also require repair, holding, selling, financing, wholesale fee and buyer-return assumptions.
Run the numbers before you make the offer
See your wholesale profit, check your buyer's return, and understand what needs to change when a deal doesn't work.
Illustrative results are estimates, not appraisals, lender commitments or legal advice. The two screenshots represent different scenarios. Validate assumptions and transaction requirements independently.