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Free tool

Cost & Return Calculator

A generic scenario model for your own hypothetical assumptions. It does not know any county's rules and never assumes a maximum rate is earned.

Hypothetical principal, in dollars.

Your assumption — not a statutory or advertised maximum.

Months until you assume repayment. 0 is allowed.

Registration, platform, research, fees. Optional.

Costs paid while holding. Optional.

Collection, application, legal or other costs. Optional.

Hypothetical scenario result

Enter your own amount, assumed rate and holding period. There is no default return.

Formula

  • Interest = Principal × (Rate ÷ 100) × (Months ÷ 12)
  • Cash invested = Principal + Acquisition + Ongoing
  • Net = Interest − (Acquisition + Ongoing + Exit)
  • ROI = Net ÷ Cash invested × 100

This is a generic scenario model, not a county redemption calculator. Actual statutory interest, minimum charges, premiums, bid-down outcomes and fees vary by jurisdiction. A certificate may be redeemed sooner or later than assumed, or not at all. The ROI shown is not annualized and is not a prediction.