Free tool

ARV & wholesale calculator.

Find your Maximum Allowable Offer using the 70% rule. Enter the after repair value, repair costs, and your fee, and the calculator shows your max offer to the seller, your assignment fee, and the end buyer's projected equity. The formula: MAO = (ARV times multiplier) minus repairs minus your fee.

Your numbers

Enter the deal. Results update as you type.

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70%

70% is standard. Drop to 65% on heavy rehabs or slow markets; raise toward 80% in hot, high-value markets.

Max offer to the seller$0after your wholesale fee, using the 70% rule
70% rule number (before fee)$0
Your wholesale fee$0
Buyer all-in (offer + repairs + fee)$0
Buyer projected equity$0

Estimates based on the numbers you entered. The 70% rule is a guideline, not a guarantee; always confirm comps, repair scope, and your buyer's criteria before making an offer.

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How the ARV and MAO math works

The wholesale formula, in plain terms.

MAO = (ARV × multiplier) − repair costs − your wholesale fee 70% rule: MAO = (ARV × 0.70) − repairs − fee

The 70% rule holds back 30% of the after repair value to cover the end buyer's profit, holding costs, closing costs, and commissions. As a wholesaler you subtract your assignment fee on top of that, so your offer to the seller leaves room for both your fee and the buyer's margin. Lower the multiplier for a bigger safety cushion, raise it when comps are strong and the market is hot.

A worked example

One deal, start to finish.

Say the ARV is $300,000 and repairs are $40,000. The 70% rule MAO is (300,000 times 0.70) minus 40,000, which is $170,000. Subtract a $10,000 wholesale fee and your max offer to the seller is $160,000. The end buyer picks it up at $170,000, spends $40,000 on repairs, and ends up around $90,000 below the $300,000 ARV, the cushion the 70% rule is designed to protect.

Calculator questions

How to read the numbers.

MAO stands for Maximum Allowable Offer. The wholesale formula is MAO = (ARV times the rule multiplier) minus repair costs minus your wholesale fee. With the standard 70% rule, that is MAO = (ARV times 0.70) minus repairs minus fee. The calculator does this live as you type.
No, it is a guideline. Many investors drop to 65% or lower in slower markets or on heavy rehabs for a bigger safety margin, and push to 75 to 80% in hot, high-value markets. The multiplier is editable, so set it to match your market and risk.
Yes. To keep room for your assignment fee and still leave the end buyer their margin, subtract your fee from the 70% rule number. That is why the headline output is your max offer to the seller after your fee is accounted for.
ARV (after repair value) is what the home is worth fully renovated. Estimate it from at least three recent closed comparable sales, ideally within about half a mile, similar size and condition, sold in the last 90 days. Use the most conservative comparable, not the most optimistic.
It varies widely by deal and experience. Newer wholesalers often target a few thousand dollars, while experienced ones may aim higher on bigger spreads. Set your own fee in the calculator to see how it changes your max offer.

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