Seller Financing Calculator
Payment, balloon balance and the seller's effective yield on an owner-financed note with a balloon date.
Formula
Owner financing trades a slower payout for a higher price, interest income and (in the US) installment-sale tax deferral. The balloon forces the buyer to refinance into a bank eventually — size it at a balance the property's NOI can plausibly support then.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need seller financing calculator results fast? Analysts, founders, traders and finance professionals use the Seller Financing Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Seller Financing Calculator
Payment, balloon balance and the seller's effective yield on an owner-financed note with a balloon date. Owner financing trades a slower payout for a higher price, interest income and (in the US) installment-sale tax deferral. The balloon forces the buyer to refinance into a bank eventually — size it at a balance the property's NOI can plausibly support then. The governing relationship is balance_m = L(1+r)^m − PMT[((1+r)^m −1)/r]. The Seller Financing Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Seller Financing Calculator
- 1Enter Sale price (currency), Buyer down payment (currency), Note rate (%), Amortization schedule (years), Balloon due in (years) into the Seller Financing Calculator.
- 2The result is computed automatically using balance_m = L(1+r)^m − PMT[((1+r)^m −1)/r] — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Seller Financing Calculator?
- ✓Computes seller financing calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Seller Financing Calculator?+
Seller Financing Calculator uses balance_m = L(1+r)^m − PMT[((1+r)^m −1)/r]. Owner financing trades a slower payout for a higher price, interest income and (in the US) installment-sale tax deferral. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Seller Financing Calculator need?+
Enter Sale price (currency), Buyer down payment (currency), Note rate (%), Amortization schedule (years), Balloon due in (years) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Seller Financing Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Seller Financing Calculator?+
The balloon forces the buyer to refinance into a bank eventually — size it at a balance the property's NOI can plausibly support then.
What is the Seller Financing Calculator based on?+
The method follows authoritative sources: IRC §453 — installment sales; owner-carry practice. The formula and references are shown on the page so you can verify and cite the result.
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