Rental Property Calculator
Model a rental's purchase, financing, closing and repairs, rent, vacancy and monthly tax, insurance, maintenance and HOA. Cash-on-cash uses cash invested; cap rate uses net operating income before debt service.
Model a rental's purchase, financing, closing and repairs, rent, vacancy and monthly tax, insurance, maintenance and HOA. Cash-on-cash uses cash invested; cap rate uses net operating income before debt service.
Method and assumptions
Amounts: at most 1,000,000,000 with two decimal places. Rates: four decimal places. Loan rates and percentages: 0–100; terms: whole years 1–100. Investment returns and inflation: −99–100; horizons: whole years 0–100. Invalid or excessive results are rejected. The purchase price must be greater than zero.
Money is displayed to two decimals. Loan interest posts monthly in cents, with an adjusted final payment. Savings compound before each end-of-month deposit; no daily cash-flow dates are modeled.
Cash purchase 100,000, no closing or repair cost, rent 1,000 and no vacancy or expenses gives monthly cash flow 1,000, annual cash flow 12,000, cap rate and cash-on-cash 12%.
Calculations run in this page without sending financial inputs to a calculation service. Drafts are not saved by this calculator. Clipboard and CSV actions use the successful result; editing or reset invalidates it. Site advertising and account policies remain separate. No rent listings, property records or management accounts are retrieved.
Appreciation remains a fixed 3% scenario. First-year equity uses posted loan principal, not rent income. Sale costs, income taxes, management fees and unentered repairs are excluded. Zero cash invested makes cash-on-cash and total ROI undefined.
🏠 Property Purchase
💰 Income & Expenses
Deal Analysis
📊 Monthly Income
💸 Monthly Expenses
💎 Investment Summary
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About Rental Property Calculator
Model a rental's purchase, financing, closing and repairs, rent, vacancy and monthly tax, insurance, maintenance and HOA. Cash-on-cash uses cash invested; cap rate uses net operating income before debt service.
Appreciation remains a fixed 3% scenario. First-year equity uses posted loan principal, not rent income. Sale costs, income taxes, management fees and unentered repairs are excluded. Zero cash invested makes cash-on-cash and total ROI undefined.
Cash purchase 100,000, no closing or repair cost, rent 1,000 and no vacancy or expenses gives monthly cash flow 1,000, annual cash flow 12,000, cap rate and cash-on-cash 12%.
Preset scenario; no current local rate or eligibility certification.
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. Appreciation remains a fixed 3% scenario. First-year equity uses posted loan principal, not rent income. Sale costs, income taxes, management fees and unentered repairs are excluded. Zero cash invested makes cash-on-cash and total ROI undefined.
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.
- Calculations run in this page without sending financial inputs to a calculation service. Drafts are not saved by this calculator. Clipboard and CSV actions use the successful result; editing or reset invalidates it. Site advertising and account policies remain separate. No rent listings, property records or management accounts are retrieved.
- Combine this Rental Property Calculator with our other financial tools (loan, tax, budget calculators) for a more complete financial picture.
- Appreciation remains a fixed 3% scenario. First-year equity uses posted loan principal, not rent income. Sale costs, income taxes, management fees and unentered repairs are excluded. Zero cash invested makes cash-on-cash and total ROI undefined.
- Calculations run in this page without sending financial inputs to a calculation service. Drafts are not saved by this calculator. Clipboard and CSV actions use the successful result; editing or reset invalidates it. Site advertising and account policies remain separate.
Frequently Asked Questions
Cap rate compares operating income with price before financing. Cash-on-cash compares cash flow after debt service with cash invested.
No. It is an unrealized value scenario. The total-return view keeps it separate from cash flow and principal repaid.
Appreciation remains a fixed 3% scenario. First-year equity uses posted loan principal, not rent income. Sale costs, income taxes, management fees and unentered repairs are excluded. Zero cash invested makes cash-on-cash and total ROI undefined.
Calculations run in this page without sending financial inputs to a calculation service. Drafts are not saved by this calculator. Clipboard and CSV actions use the successful result; editing or reset invalidates it. Site advertising and account policies remain separate.