Real Estate
Holding Cost Calculator (Flip Carrying Costs)
What every extra month on a flip really costs you.
Free holding cost calculator. Add up monthly carrying costs — loan interest, taxes, insurance, utilities — over your project timeline to see total holding costs on a flip.
Holding costs scale with time, not progress. Every extra month adds the full carrying cost — the fastest way to protect margin is to shorten the timeline.
How it works
Enter monthly carrying costs
Input your monthly loan interest, taxes and insurance, and utilities/other carrying costs.
Enter the timeline
Add how many months you expect to hold the property.
Read the total
The calculator returns your total monthly carrying cost and the total holding cost over the project.
Frequently asked
What are holding costs in a flip?
Holding (carrying) costs are the recurring expenses of owning a property while you renovate and sell it: loan interest, property taxes, insurance, utilities, and HOA. They accrue every month you hold the property, whether or not work is happening.
Why do holding costs matter so much?
Because they scale with time, not progress. Every extra month — from a slow rehab, a delayed sale, or a financing snag — adds the full monthly carrying cost and eats directly into profit. Underestimating the timeline is a top way flips lose margin.
How do I reduce holding costs?
Shorten the timeline: tight rehab scheduling, accurate scope up front, and pricing to sell quickly. Cheaper financing helps, but speed is usually the biggest lever — the fewer months you hold, the less the carrying costs total.