What Is the Wholesale Assignment Calculator?
The Wholesale Assignment Calculator is a free online tool designed for users who need quick, accurate calculations in the practical calculation space. By entering your after repair value — arv, estimated repair costs, your wholesale / assignment fee, you get instant results including maximum allowable offer, your assignment fee, end buyer's potential profit. No formulas to memorize, no spreadsheets to build — just enter your numbers and get the answer in seconds. Whether you're a beginner or experienced professional, this calculator saves you time and eliminates guesswork.
Why This Calculation Matters
Getting maximum allowable offer right can make the difference between success and costly mistakes. In practical calculation, small errors compound quickly. Manual calculations are error-prone and time-consuming, especially under pressure. This calculator applies proven formulas used by users worldwide, giving you confidence that your numbers are correct. Use it to get accurate results with precision and avoid common pitfalls that trip up beginners.
When Should You Use This Calculator?
This tool is most useful when you know your after repair value — arv and need to find the right maximum allowable offer. It's also great for quick estimates before committing to a decision, and to double-check manual calculations or professional quotes, and when comparing different scenarios side by side. Bookmark this page and come back whenever you need a fast, reliable answer — the calculator is always free and requires no signup.
Wholesale Assignment Calculator
Wholesale Deal Examples
Sample deals using the 70% rule with a $10,000 assignment fee.
| ARV | Repairs | MAO | Contract Price | End Buyer Profit |
|---|---|---|---|---|
| $150,000 | $20,000 | $75,000 | $75,000 | $35,000 |
| $200,000 | $30,000 | $100,000 | $100,000 | $50,000 |
| $250,000 | $40,000 | $125,000 | $125,000 | $65,000 |
| $300,000 | $50,000 | $150,000 | $150,000 | $80,000 |
| $400,000 | $60,000 | $210,000 | $210,000 | $110,000 |
| $500,000 | $75,000 | $265,000 | $265,000 | $140,000 |
How to Use This Calculator
- Enter Your After Repair Value — ARV ($): Start by entering your after repair value — arv — this is the primary input for the calculation.
- Fill In Additional Details: Complete the remaining fields: estimated repair costs, your wholesale / assignment fee, seller's asking price, arv rule, estimated closing/holding costs. Each value refines the calculation for greater accuracy.
- Click Calculate: Hit the Calculate button to run the numbers. Results appear instantly below.
- Review Your Results: Check your maximum allowable offer, your assignment fee, end buyer's potential profit. Use these figures to inform your next decision or compare against alternative scenarios.
How It Works
Wholesale real estate investing means getting a property under contract at a low price and assigning that contract to an end buyer (usually a fix-and-flip investor) for a fee. The key formula is the Maximum Allowable Offer (MAO).
The basic rule:
- MAO = ARV × 70% − repair costs − your wholesale fee
- If the seller's asking price is at or below the MAO, the deal is viable
- The end buyer needs enough margin (typically 30% of ARV) to profit after repairs, holding costs, and resale expenses
The 70% rule is an industry standard that leaves enough margin for the end buyer to profit. In competitive markets you might use 75%, and in uncertain markets, 65%. Always verify your ARV with recent comparable sales and get repair estimates from contractors.
Tips & Considerations
- Double-check your after repair value — arv before calculating — even small input errors can significantly change your results.
- Run the calculator with different values to compare scenarios and find the optimal approach for your situation.
- Pay attention to both maximum allowable offer and your assignment fee — they work together to give you the full picture.
- Bookmark this page for quick access next time you need to get accurate results.
- If you're unsure about your estimated closing/holding costs, start with a conservative estimate and adjust from there.
Frequently Asked Questions
What is wholesale real estate?
Wholesale real estate is a strategy where you find distressed or undervalued properties, get them under contract at a low price, and then assign (sell) that contract to an end buyer — typically a fix-and-flip investor — for a fee. You never actually buy or renovate the property.
What is the 70% rule?
The 70% rule states that an investor should pay no more than 70% of a property's After Repair Value (ARV) minus repair costs. This leaves a 30% margin for holding costs, closing costs, and profit. Example: if ARV is $200,000 and repairs are $30,000, max offer = $200,000 × 0.70 − $30,000 = $110,000.
How much is a typical wholesale fee?
Wholesale assignment fees typically range from $5,000 to $20,000 per deal. On higher-value properties, fees of $25,000-$50,000 are possible. The fee depends on how much room there is in the deal — it's the spread between your contract price and what the end buyer is willing to pay.
Do I need money to wholesale real estate?
Technically, you need very little. An earnest money deposit ($500-$2,000) secures the contract. You assign the contract before closing, so you never need to fund the purchase. However, you'll need money for marketing to find deals (direct mail, driving for dollars, etc.) and possibly an LLC and basic legal costs.
Is wholesaling legal?
Wholesaling is legal in all 50 states, but some states have specific regulations. Some require you to disclose that you're assigning the contract. A few states require a real estate license to wholesale. Check your state's laws and consider working with a real estate attorney on your first deals.
How do I find the ARV?
ARV (After Repair Value) is determined by looking at comparable properties (comps) that have recently sold in the same area in renovated condition. Look at 3-6 comps within 0.5-1 mile that sold in the last 3-6 months with similar size, bedrooms, and condition. Use Zillow, Redfin, or the MLS for data.