Useful on their own. Free on purpose.
Working tools for property investors — no account, no email gate, and nothing you type is stored on our servers. Each one does a real job by itself; Prism does the same job continuously, from your actual books.
Real estate
REO schedule generator
A lender-ready REO schedule from your keyboard to a CSV or PDF — residential and commercial, totals included.
Open the toolMortgage calculator
PITI and the true monthly payment, with a year-by-year amortization schedule. Instant and free.
Open the toolCap rate calculator
NOI over price, computed as you type — the yield every listing conversation starts from.
Open the toolCash-on-cash calculator
Annual cash flow against the cash you put in — the levered return on your actual money.
Open the toolDSCR calculator
NOI against the mortgage — the coverage ratio lenders underwrite to, and the payment your income supports.
Open the toolNOI calculator
An itemized operating statement down to NOI — the figure cap rates, DSCR and valuations all stand on.
Open the toolRental cash flow calculator
Rent in, everything out — monthly and annual cash flow with the margin on every collected dollar.
Open the toolLTV calculator
Balance against value — LTV, combined LTV with a second lien, and the equity both imply.
Open the toolCommercial
NNN lease calculator
Base rent plus the three nets — effective rent per square foot and the real monthly cost.
Open the toolPrice per sq ft calculator
Sale price and rent per square foot — the ruler commercial comparisons are made with.
Open the toolCommercial loan calculator
Amortized payment, the balloon at maturity, and the loan constant underwriters quote.
Open the toolBreak-even occupancy calculator
The occupancy where collections just cover expenses and debt — and your cushion above it.
Open the toolBusiness
SDE calculator
Net income plus the add-backs — the earnings figure small businesses are actually priced on.
Open the toolBusiness valuation calculator
Earnings times the market's multiple — a defensible value range for a small business.
Open the toolBreak-even calculator
Fixed costs over contribution margin — the sales volume where the business stops costing money.
Open the toolThe always-on version is your actual portfolio
These tools work from numbers you type. The product works from your real transactions, synced from the bank and categorized as they arrive — so the schedule is never out of date.