The World's Greatest Real Estate Deal Analysis Spreadsheet™
See all four return streams — appreciation, cash flow, debt paydown, and tax benefits — projected across 40 years with per-cell overrides, 480-month amortization, IRR, and 9 interactive charts.
Appreciation
$11,550
Cash Flow
-$9,942
Debt Paydown
$2,933
Tax Benefits
$2,688
Total RIDQ™
$7,229/yr
40
Year Projections
80+
Metrics Per Year
4
Return Quadrants™
9
Interactive Charts
Most investors only track cash flow — they miss 75% of their return.
Cash flow gets all the attention, but it's only one of four ways real estate builds wealth. If you're making decisions based on cash flow alone, you're missing the appreciation, principal paydown, and tax benefits that often dwarf your rental income.
See the complete picture with all four return streams.
The Return in Dollars Quadrant™
Year 1 analysis of a $385,000 property — 25% down, 7% rate, $2,200/mo rent.
Appreciation
$11,550
Cash Flow
-$9,942
Debt Paydown
$2,933
Tax Benefits
$2,688
Total
$7,229
Return in Dollars Quadrant™ from RealEstateFinancialPlanner.com
Four Streams of Real Estate Return
Property value growth. At 3% on a $385K property, that's $11,550 in Year 1 alone.
Net rental income after all expenses and mortgage payments.
Principal reduction your tenants pay for you — $2,933 in Year 1.
Depreciation-based cash flow from your income tax savings.
Return in Dollars™ Over 10 Years
See how all four return streams compound over time.
Everything You Need for Complete Deal Analysis
One tool, 80+ metrics, 40 years of projections.
Return Quadrant™ Analysis
See appreciation, cash flow, debt paydown, and tax benefits in RIDQ™, ROIQ™, ROEQ™, and ROTNEQ™ quadrants.
Learn more40-Year Projections
Project every metric forward 40 years with per-year overrides that cascade through the model.
Learn moreOverride Any Cell
Click any editable cell to override the calculated value. Changes cascade forward and recalculate all downstream metrics.
Learn more480-Month Amortization
Full amortization schedule with PMI auto-drop and per-month payment overrides.
True Net Equity™
See equity minus cost-to-access, cash-out refi equity, and reserve-adjusted returns.
9 Interactive Charts
Expenses, cash flow, returns if sold, RIDQ™, ROIQ™, equities, ROTNEQ™, and more.
See How Returns Compound Over 40 Years
Key metrics at years 1, 5, 10, 20, and 30 — all from a single $385K property.
| Metric | Year 1 | Year 5 | Year 10 | Year 20 | Year 30 |
|---|---|---|---|---|---|
| Property Value | $396,550 | $446,321 | $517,408 | $695,353 | $934,496 |
| Total Equity | $110,733 | $174,516 | $269,625 | $529,899 | $934,496 |
| RIDQ™ Total | $7,229 | $11,269 | $17,309 | $33,925 | $57,263 |
| ROIQ™ Total | 6.41% | 9.99% | 15.34% | 30.08% | 50.77% |
| Cash Flow (CFBT) | -$9,942 | -$8,297 | -$5,947 | -$63 | $7,843 |
| Loan Balance | $285,817 | $271,805 | $247,783 | $165,454 | $0 |
Interactive Charts Included
Explore your deal visually with 9 built-in charts.
How It Works
Three steps to a complete 40-year analysis.
Enter Your Property Details
Enter purchase price, mortgage details, rent, and expenses — or select an existing property from your account.
Run the Analysis Engine
TWGREDAS™ computes 80+ metrics per year across 40 years, builds amortization, calculates IRR, and generates Return Quadrants™.
Explore 40 Years of Returns
Browse projections, override any cell, compare scenarios, and explore 9 interactive charts.
Explore Features
Dive deeper into what makes TWGREDAS™ the most complete deal analysis tool.
Four-Stream Breakdown
See appreciation, cash flow, debt paydown, and tax benefits as both dollars (RIDQ™) and percentages (ROIQ™).
Multi-Year Projections
Project all 80+ metrics across 40 years. See how returns compound and accelerate over time.
Scenario Modeling
Override any cell in the 40-year table. Changes cascade forward and recalculate all downstream metrics.
Full Access Starting at $99/mo
All 40 years, all 4 Return Quadrants™, all 9 charts, unlimited overrides.
View PricingSee All Four Return Streams on Any Deal
Run the complete TWGREDAS™ analysis — 40-year projections, Return Quadrants™, amortization, IRR, and more.