free, ungated, nothing stored

Maximum allowable offer calculator.

The formula every wholesaler holds in their head, written out and footed: ARV × target percentage − repairs − wholesale fee − closing costs − contingency. Type two numbers, pick the state the house sits in, and read the arithmetic.

property state

estimated ARV (after-repair value)

estimated repairs

Adjust the defaults70% · $10,000 · 2% · $2,500

target percentage of ARV

desired wholesale fee

closing costs, percent of ARV

contingency

Nothing is stored and nothing is sent. There is no signup on this page, and the numbers you type stay in your browser.

maximum allowable offer

estimated ARV—
× target percentage (70%)—
estimated repairs—
wholesale fee—
closing costs (2% of ARV)—
contingency—

MAO—

confidence: low
why: your ARV and repairs are typed estimates, not comps

This is arithmetic on the numbers you typed. It is an estimate, not a valuation and not an appraisal.

state rules

Select the state the house sits in.

This is what OfferPilot records for that state. It is not legal advice, and it is not a substitute for your own counsel.

The number is the easy part. The conversation is not.

Knowing the MAO does not answer the seller who just asked what you will pay. OfferPilot takes the stalled thread, recomputes this same arithmetic as the seller admits what the roof actually needs, and writes the next message inside limits you set. It discovers motivation before it discusses money, negotiates toward your target, never past your maximum, and hands the conversation to you on probate, foreclosure, title, a demand above your maximum, or a seller ready to sign.

see it decide on a thread pricing

What each line means

Estimated ARV: What the house sells for once it is fixed, in the condition a retail buyer expects. Typed here rather than pulled from comps, which is why the confidence label reads low.
Target percentage: The share of ARV your cash buyers will actually pay. 70% is the common default and it is yours to change — a hot metro supports more, a slow one less.
Estimated repairs: Your rehab number, not the seller's. When a seller admits something new mid conversation, this is the line that moves and drags the MAO with it.
Wholesale fee: Your assignment fee, subtracted before you ever name a price, so the spread is protected by the arithmetic instead of by memory.
Closing costs: Title, escrow and the rest, defaulted to 2% of ARV. Adjust it to what your title company actually charges you.
Contingency: The buffer for what the walkthrough missed. Defaulted to $2,500. Set it to zero if you would rather carry that risk yourself.