📋 Wholesale Calculator

Calculate your assignment fee profit and your buyer's spread. Ensure the deal works for both you and your end buyer.

📍 Property Address (optional)
InputsYour Numbers
Property
After-Repair Value (ARV)?
$
Estimated Repair Costs?
$
Your Deal
Offer to Seller ($)?
$
Assignment Fee (your profit)?
$
Holding Costs (if applicable)?
$
Your Closing Costs ($)?
$
Pro Forma (Higher Fee Scenario)
Higher Assignment Fee?
$
Lower Offer to Seller?
$
As-Is AnalysisCurrent
Enter values to see results
Net Profit
--
your take-home
Buyer Spread
--
ARV - all-in for buyer
Buyer ROI
--
buyer's return
ARV Ratio
--
buyer all-in / ARV
Your Economics
Offer to Seller--
Your Closing Costs--
Holding Costs--
Your Total Cost--
Assignment Fee--
Net Profit--
Buyer`s Analysis
Buyer Pays (offer + fee)--
Repair Costs--
Buyer All-In--
ARV--
Buyer Spread--
Pro FormaAfter Plan
Enter pro forma values
Pro Forma Profit
--
vs base
Extra Profit
--
from better terms
Pro Forma Spread
--
buyer still has room
Pro Forma Buyer ROI
--
buyer still happy?
Pro Forma vs Base Case
Base Assignment Fee--
Pro Forma Assignment Fee--
Seller Offer (pro forma)--
Pro Forma Net Profit--

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1
Enter ARV and Repairs
The ARV is what your buyer is buying into. Repairs are what they will spend to get there. These determine if your buyer has enough spread to make money.
2
Enter Your Offer
What you are paying the seller. This should be at or below the 70% Rule MAO. If you are over MAO, your buyer may not be able to make the numbers work.
3
Set Your Assignment Fee
Your profit is the assignment fee minus your transaction costs. A typical wholesale fee is $5,000-20,000. Larger deals may support $25-50K fees.
4
Check Your Buyer`s Numbers
The deal only closes if your buyer has a good spread. They need at least 20-25% margin (ARV minus their all-in cost). The calculator shows their full economics.
5
Model a Higher Fee
The pro forma column shows what happens if you negotiate a higher fee or lower offer. Make sure the buyer still has enough room to make their deal work.
6
The Double-Close Option
If you are doing a double-close instead of an assignment, your closing costs will be higher but you can keep the fee amount private from both parties.

Wholesale real estate involves finding deeply discounted properties and selling the contract (or the property) to an investor buyer for a profit, without doing any rehab yourself. Your profit is the spread between what you pay and what you sell the contract for.


A successful wholesale deal requires two things to be true simultaneously: you buy cheap enough that the deal works for you AND your end buyer has enough spread to make their rehab or rental deal work. If your fee is too high, your buyer cannot make money and the deal dies.


The 70% Rule is your guide: your buyer needs to buy at 70% of ARV minus repairs. If you are offering $95K on a deal with $40K repairs and $195K ARV, your buyer can pay up to $96,500 (195K x 70% - 40K). You have very little room for an assignment fee at those numbers.