Real Estate IRA calculator
Model a rental property held inside your Self-Directed IRA: rent, appreciation, and optional non-recourse financing, all compounding tax-deferred.
Your property
Rent & hold assumptions
Estimated expenses is a common starting point for taxes, insurance, maintenance, and vacancy. Experienced owners often see 35–45% once a property is stabilized.
Want to see how this works for your property?
- →The solid line is equity plus accumulated rent. It's your total IRA value building over the hold period, tax deferred.
- →The dashed line is the property's market value. Equity is this value minus whatever loan balance remains.
- →Rent accumulates uninvested. Reinvesting it elsewhere in the IRA would increase these results.
- →If the deal uses financing, a portion of income may be subject to UDFI tax. A Solo 401(k) is exempt from UDFI on real estate debt.
Method
Non-recourse loan modeled as interest-only with principal repaid at sale (a conservative simplification). Net rent is calculated as monthly rent, annualized, less the estimated expense percentage entered above. Rent accumulates in the IRA uninvested; reinvesting it would increase results. IRA-owned property must be purchased and operated entirely through the IRA — all income in, all expenses out.
When a Self-Directed IRA uses non-recourse financing, the debt-financed portion of any income is generally subject to unrelated debt-financed income tax (UDFI). This calculator doesn't model UDFI. Consult a tax professional to understand how it applies to your deal.
For illustration only — not investment, tax, or legal advice, and IRA Financial does not provide investment advice or sell investments. Projections use hypothetical, constant assumptions and simplified fee and tax treatment. IRS limits, brackets, and phase-outs shown reflect published 2026 figures where noted and should be verified against current IRS guidance. Actual results will vary, and losses are possible. Consult a qualified professional before making investment decisions.