Rent-to-Own Calculator

RTOCalc is a free rent-to-own (lease-to-own/lease-option) calculator that helps buyers and sellers model deals with full transparency — whether creating new agreements or converting existing rentals to rent-to-own.

Simply enter your details to calculate different scenarios. RTOCalc will instantly generate detailed analysis reports, including payment schedules and projected outcomes.

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Option Terms

Commencement Date

Lease Term

Option Price ($)

Initial Option Fee ($)

Monthly Rent ($)

Monthly Option Fee ($)

Mortgage Interest Rate (%)

Renewal Terms

Renewable Annual Terms

Renewal Option Fee ($)

Appreciation per Renewal (%)

Incentives

Monthly Price Credit ($)

Bonus Option Credit (%)

Debt Service & Expenses

Monthly Debt Service ($)

Monthly Management ($)

Monthly Strata Fee ($)

Monthly Insurance ($)

Monthly Utilities ($)

Annual Property Tax ($)