Two sides of the same deal.
One screen.
Every other seller financing calculator shows you one side — usually the buyer's. This one runs the buyer math and the seller math at the same time, so you can see exactly where both parties win.
- Monthly savings vs bank +$203
- Closing costs avoided +$5,400
- Total interest (7yr) $123,148
- Balloon due Year 7 $276,000
- Year-1 tax deferred +$32,000
- 7-yr interest income $123,148
- Balloon collected Yr 7 $276,000
- Note market value (12% disc) $245,000
Why both sides matter
A seller financing deal closes when both parties believe they got the better end of it. Modeling only one side leaves money — or the entire deal — on the table.
Single-sided is blind
A buyer-only calculator can't tell you whether your offer is something the seller would ever sign. You leave the table guessing.
Negotiate with proof
Show a hesitant seller their effective yield and tax savings on screen. Suddenly your offer is no longer abstract — it's a number they can compare to a bank CD.
Spot the win-win
When both columns turn green, you know the term sheet is one both parties can defend to their advisors and still close.
What the buyer side answers
Every metric a buyer needs to compare a seller-financed offer against a bank loan or all-cash deal — in one place.
What the seller side answers
The numbers the seller's accountant will ask about — before the seller agrees to anything.
A win-win, in one screen
Here is what makes this $385K deal close: the buyer's side and the seller's side both improve compared to the alternative.
What dual-perspective gives you
Six things you can't get from a single-sided calculator.
Side-by-side from one input
Change the rate once and watch both columns move. No copy-paste between two spreadsheets.
Win-win confirmation
Both columns turning green is the green light. You stop guessing whether the seller will say yes.
Use it in the pitch
Show the seller their effective yield and tax savings live, on their kitchen table.
Spot dealbreakers fast
If one side stays red no matter what you change, you save days of back-and-forth.
Saved per property
Every analysis attaches to a property in your library — reload the same deal next week.
Guide mode explanations
Toggle Guide mode on each tab for plain-English commentary on what the numbers mean.
Explore More Features
See everything Seller Financing Deal Structurer has to offer.
Deal Structurer
Model rate, term, down payment, and balloon options to find terms that work for both sides.
Learn more →Amortization & Tax Analysis
Full amortization schedules with installment sale tax impact and note marketability scoring.
Learn more →AI Contract Review Pipeline
Analyze promissory notes, deeds of trust, and security agreements with a 5-step AI pipeline: plain English, risks, obligations, negotiation playbook, and executive brief.
Learn more →See your next deal from both sides
Plug in your purchase price, terms, and tax basis — the buyer column and the seller column update at the same time.
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