Premium bid break-even calculator
See the highest premium that still leaves room for your goal.
A premium can consume your return before a certificate ever redeems. Use conservative assumptions and include every cost you expect to carry.
Your assumptions
Use cautious inputs. You can change every number.
Confirm the current sale terms first. A calculator cannot verify the sale, clear title, value a property, or predict redemption.
Illustrative result
$0
maximum premium before your target is reduced
- Gross interest or penalty
- $450
- Costs reserved
- $150
- Target annual return
- 12.0%
- Illustrative premium limit
- $0
1. Verify the structure.
Use the correct tool only after confirming whether the sale uses a bid-down rate, premium, interest, or penalty.
Use the correct tool only after confirming whether the sale uses a bid-down rate, premium, interest, or penalty.
2. Reserve real costs.
Include registration, recording, research, later taxes, notices, legal guidance, and contingency cash.
Include registration, recording, research, later taxes, notices, legal guidance, and contingency cash.
3. Keep a hard stop.
If the deal only works in the best case, lower the bid or walk away.
If the deal only works in the best case, lower the bid or walk away.