📖 Overview

Use this calculator during recovery turns to restore properties with exact cash requirements.

🧪 Example Scenarios

Use these default and higher-pressure example inputs to explore how sensitive this calculator is before using your real numbers.

ExampleExample: two properties with a $120 mortgage value each cost 2 x ($120 + 10%) = $264 to unmortgage.
InputBase CaseHigher Pressure Case
Mortgage Value Per Property ($)120138
Properties To Unmortgage22.3
Interest Rate (%)1012

⚙️ How It Works

Calculates exact cash required to unmortgage properties including interest.

The Formula

Unmortgage Cost = Mortgage Value × Property Count × (1 + Interest Rate/100)
💡Classic Monopoly typically uses 10% interest to unmortgage.

Quick Reference

InputExample Value
Mortgage Value Per Property ($)120
Properties To Unmortgage2
Interest Rate (%)10

When To Use This

  • Use this tool when you need a fast decision during active planning or execution.
  • Use this before committing money, time, or tradeoffs that are hard to reverse.
  • Use this to compare options using the same assumptions across scenarios.

Edge Cases To Watch

  • Results can be misleading if key inputs are missing, stale, or unrealistic.
  • Very small or very large values may amplify rounding effects and interpretation risk.
  • If assumptions change mid-decision, recalculate before acting.

Common Mistakes

  • Paying only the printed mortgage value.
  • Forgetting to multiply interest across multiple properties.
  • Applying house-building decisions before the property is unmortgaged.

Practical Tips

💡 Use 10 for interest rate in standard rules unless house rules differ.
💡 Prioritize unmortgaging high-rent strategic sets first.
💡 Run a best-case, base-case, and worst-case scenario before deciding.
💡 Use recent real values, not ideal assumptions, for better accuracy.

Frequently Asked Questions

❓ How much is it to unmortgage a Monopoly property?

The usual rule is mortgage value plus 10% interest.

❓ Do I pay interest when buying a mortgaged property from another player?

Under standard rules, the buyer typically pays 10% immediately and pays again if they do not unmortgage right away.

❓ Can I collect rent while a property is mortgaged?

No. A mortgaged property does not collect rent until it is unmortgaged.

❓ Can I use this for multiple properties at once?

Yes, set property count to the number you plan to unmortgage now.

❓ Is this deterministic?

Yes, this is exact rule arithmetic, not a projection.