About this tool
BRRRR Calculator is a free, in-browser tool for the Buy, Rehab, Rent, Refinance, Repeat strategy. It shows how much of your own cash stays trapped in a deal after you refinance — the number that decides whether you can recycle your capital into the next property. Everything is computed locally; no deal details are uploaded.
The math: all-in cost = purchase + rehab + buying and holding costs. The refinance loan = ARV × (refinance LTV ÷ 100), and cash recovered at refi = new loan − loan payoff. Your total cash invested = all-in cost − initial loan, so the cash left in the deal = total cash invested − cash recovered. If you supply a monthly cash flow, the tool also reports cash-on-cash return = 12 × cash flow ÷ cash left in (shown as a percentage).
Use it to test whether a deal is a true BRRRR: when cash left in the deal approaches zero — or the cash-on-cash return becomes very large — you have pulled most of your capital back out and can repeat the process. Adjust the refinance LTV to your lender's cap (75% is common) to see how it changes the outcome.