Rental Property Calculator
Analyze rental property ROI, cash flow, and cap rate. Calculate potential returns on your real estate investment.
🏠 Property Purchase
💰 Income & Expenses
Deal Analysis
📊 Monthly Income
💸 Monthly Expenses
💎 Investment Summary
About Rental Property Calculator
The rental property calculator screens a deal from the purchase price, down payment, mortgage rate and rent: it returns monthly cash flow, cash-on-cash return, cap rate from net operating income, and a total ROI that adds assumed 3% appreciation plus first-year equity buildup. Vacancy rate, property taxes, insurance, maintenance and HOA dues each get their own field, and a deal panel checks the result against the 1% rule and an 8% cash-on-cash benchmark. Everything is computed in your browser.
Use Cases
How to use
Under Property Purchase enter the Purchase Price, Down Payment percentage, Interest Rate, a Loan Term of 30 or 15 Years, your Closing Costs and any up-front repair budget.
Enter the Monthly Rent you expect to charge and the Vacancy Rate percentage you expect to lose to empty months.
Add the monthly running costs: Property Taxes Monthly, Insurance Monthly, Maintenance Monthly and any HOA fee.
Read the four headline tiles, Monthly Cash Flow, Cash on Cash Return, Cap Rate and ROI, plus the bullet notes saying whether it looks like a good deal.
Check the Monthly Income panel for gross rent, vacancy loss and effective income, and the expense panel for mortgage and total expenses.
Review the Investment Summary for Total Investment, Loan Amount, Annual Cash Flow, Annual Appreciation, Annual Equity Buildup and Total Annual Return.
Pro Tips
- Enter your values carefully — small differences in inputs can lead to large changes in the Rental Property Calculator result, especially for long time periods.
- Use the Rental Property Calculator to compare multiple scenarios side by side. Open the tool in several tabs to see how different assumptions impact your outcome.
- Bookmark this Rental Property Calculator and return whenever your situation changes — small updates in income, rates, or expenses are easy to recompute.
- Export or copy the result before closing the tab. Since the Rental Property Calculator stores no data server-side, your inputs reset when you navigate away.
- Combine this Rental Property Calculator with our other financial tools (loan, tax, budget calculators) for a more complete financial picture.
Frequently Asked Questions
Yes. The Rental Property Calculator is 100% free, with no signup, no paywall, no limits, and no watermarks on results. You can use it as often as you need.
No. The Rental Property Calculator runs entirely in your browser. Your inputs stay on your device and are never transmitted to our servers, guaranteeing privacy.
The Rental Property Calculator uses industry-standard formulas and returns mathematically precise results based on the inputs you provide. Always verify with a professional advisor for major decisions.
Yes. The Rental Property Calculator is fully responsive and works on iOS, Android, and all modern mobile browsers with no app install required.
After the initial page load, most calculations run offline because the logic runs in JavaScript on your device. If you lose connection mid-session, you can usually keep calculating.
While the Rental Property Calculator provides accurate computations, it does not replace professional advice. For tax, legal, medical, or major investment decisions, consult a certified advisor.