Welcome to CRE Tool Hub. My name is Ed Kelly, an active real estate investor managing a private portfolio of rental properties in the Calgary, Alberta market. I built this minimalist suite of free commercial real estate calculators out of sheer frustration.
The existing landscape of tools is bloated, slow, and hides basic math behind lead-capture forms and account sign-ups. I needed professional-grade analysis tools that are instantly accessible, operate with zero friction (no 'submit' buttons), and remain completely private. So, I built them.
Every tool on this site was built to solve a problem I actually encountered at the underwriting table. When I started analyzing commercial deals, I was constantly bouncing between spreadsheets, outdated web calculators, and paywalled software that demanded an account just to run a cap rate. That friction costs time and kills deals. CRE Tool Hub exists because professional-grade analysis should not require a subscription, a login, or a data handoff. Every one of our 17 free calculators is purpose-built for the metrics that matter in commercial real estate — from NOI and DSCR to debt yield and IRR. No bloat. No sign-ups. Just the math.
Your Data Never Leaves Your Browser
CRE Tool Hub is built on a single principle: your deal data is private. Every calculation runs entirely client-side — meaning your numbers are processed locally in your browser and never transmitted to any server. We have no database. We store no inputs. There is no account to breach. When you close the tab, the data is gone. This is not a privacy policy promise — it is a technical reality baked into how the tools are built.
All 17 calculators are live, free, and require no sign-up. Built for independent investors, brokers, and operators who need fast, accurate answers without friction.
Cap Rate Calculator
Quickly determine the capitalization rate to evaluate a property's unlevered return and market value.
NOI Calculator
Construct a detailed Net Operating Income statement from gross income and operating expenses.
Cash-on-Cash Calculator
Measure the actual cash return on your invested capital, accounting for financing.
DSCR Calculator
Calculate the Debt Service Coverage Ratio to see if a property meets lender requirements.
Loan-to-Value (LTV) Calculator
Determine your LTV ratio to understand financing constraints and equity requirements.
Debt Yield Calculator
Analyze risk from a lender's perspective with this critical underwriting metric.
Breakeven Occupancy Calculator
Find the minimum occupancy required to cover all property expenses and debt service.
I am constantly refining these tools for my own underwriting and share them here for other independent operators. If you have feature requests or spot an issue with the calculations, please reach out via the Contact page.