Stresst: Mortgage Calculator

Stresst Ltd

Contains adsIn-app purchases

About this app

Stresst runs the property maths that usually lives in four browser tabs and a spreadsheet.

Mortgage payments, buy-to-let yield, overpayments, remortgage and rate-switch break-even, stamp duty - calculated properly, in seconds, on your phone. Then the deeper investment tools: cash flow, ROI, cap rate, BRRRR, HMO, and what a flip actually nets once every real cost is counted.

Built for property investors, landlords, and the brokers and agents who work alongside them.

Stresst does not generate leads, sell your details, or route you to a broker or a lender. It is a calculator. That is the whole product.

KNOW YOUR NUMBERS BEFORE YOU COMMIT

Most deals get modelled in the version where everything holds - the rate, the tenant, the timeline. Stresst lets you check the other versions. What a rate rise does to the payment. What a void month does to the yield. How far rates would have to fall for a shorter fixed rate to have been worth taking.

It shows you what would need to happen. It does not predict what will.

FREE CALCULATORS

• Mortgage Payment
• Buy-to-Let Yield, gross and net
• Overpayment
• Periodic Overpayment
• Remortgage
• Rate-Switch Break-Even
• Stamp Duty: UK SDLT, Scottish LBTT and Welsh LTT

PREMIUM - PROPERTY INVESTMENT TOOLS

• Cash flow
• Return on investment
• Cap rate
• Equity growth
• Rental yield
• Break-even
• BRRRR
• HMO
• Flip & Grow: true net profit after purchase costs, refurb, holding costs and selling fees

PREMIUM - SEVEN MARKETS, ONE APP

Most calculator apps answer for one country. Stresst covers the rules where you are actually buying.

• United Kingdom - Section 24, SPV comparison, affordability
• Australia - negative gearing, depreciation, capital gains tax, FIRB, LMI, stamp duty, First Home Guarantee
• United States - 1031 exchange, DSCR, DTI, PMI, ARM vs fixed, closing costs, short-term rental, property tax
• Singapore - BSD, ABSD, SSD, TDSR and MSR
• Malaysia - DSR, MOT, RPGT
• Hong Kong - affordability, AVD
• Spain - plusvalia, rental income tax, capital gains tax, LTV, property tax, rental ROI, affordability

If you own in one country and live in another, this is the part built for you.

ALSO INCLUDED

• Growth Rate Research: what named forecasters are publishing, dated and sourced, with cautious, average and strong scenarios to model against
• Tutorials and guides
• Saved scenarios, so you can return to a deal and compare it against another
• PDF export, so the numbers leave the app in a form you can send

FREE, PREMIUM AND TRIAL

Free account: all standard calculators, plus 10 PDF exports a month.

Premium: the property investment tools, all seven country modules, unlimited saved scenarios and unlimited PDF export.

Every account gets one 7-day trial with everything unlocked.

IMPORTANT

Stresst is a calculator and planning tool. Results are indicative only and depend entirely on the figures you enter. It is not financial, tax, mortgage or investment advice, and it does not recommend products, lenders or rates. Tax and lending rules change - always confirm with a qualified professional before committing to anything.

What’s new

Welcome to Stresst. Know your numbers before you commit.

Build 36 brings a refreshed interface — faster to read, faster to act on. And we've added Fix, Flip and Grow: model a flip from purchase to resale, numbers included.

What's changed:

Updated interface for faster, cleaner decisions
New: Fix, Flip and Grow calculator for flip-and-resale deals