Rental ROI Calculator
Calculate cash flow, cap rate, and cash on cash return for your rental property investments. Analyze deals before you invest.
Property & Loan
Income & Expenses (Monthly)
Monthly Expenses
Total Investment
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Real Estate Analysis Made Simple
Cash Flow Focused
Instantly see your monthly net profit after ALL expenses. No surprising losses.
Cash-on-Cash ROI
Calculate the true return on your down payment and closing costs.
Detailed Expense Breakdowns
Factor in vacancy, maintenance, management, and taxes for accuracy.
Quick Deal Screening
Evaluate properties in seconds to decide if they are worth a deeper look.
Privacy First
We don't store your property data. Analyze deals privately in your browser.
Cap Rate Analysis
Compare property performance objectively, independent of financing terms.
Key Investment Metrics Explained
| Metric | Formula | Why it Matters |
|---|---|---|
| Cash Flow | Income - Expenses - Debt Service | The money you keep each month. |
| Cap Rate | NOI / Purchase Price | Measures inherent property profitability (unleveraged). |
| Cash-on-Cash | Annual Cash Flow / Cash Invested | Your actual return on the money you put down. |
| NOI | Income - Operating Expenses | Net Operating Income limits loan amounts. |
Key Investment Metrics
Cash Flow
The profit you take home each month after all expenses and mortgage payments. Positive cash flow is essential for a sustainable rental portfolio.
Cap Rate (Capitalization Rate)
NOI / Purchase Price. A way to compare the inherent profitability of different properties regardless of how they are financed.
Cash-on-Cash Return
Annual Cash Flow / Total Cash Invested. This tells you the yield on the actual money you put into the deal (Down Payment + Closing Costs + Repairs).
Why Use This Calculator?
Real estate investing is a numbers game. Emotions can lead to bad purchases. This calculator helps you objectively analyze a property's potential.
- Catch Hidden Costs: We include fields for Vacancy, Maintenance, and Management to give you a realistic picture, not an optimistic one.
- Leverage Analysis: See how different down payments and interest rates affect your cash flow.
- Privacy Guaranteed: Your deal data is processed entirely in your browser. We don't store your potential property addresses or financial details.
Frequently Asked Questions
What is a good Cash-on-Cash Return?
This varies by investor and market, but many target between 8% and 12%. Some investors accept lower returns (a significant amount) in high-appreciation markets, while others demand 15%+ in riskier or lower-growth areas.
How much should I budget for maintenance?
A common rule of thumb is 1% of the property value per year, or a significant amount of the gross rent. Older homes generally require higher maintenance budgets than newer ones.
Should I count vacancy if it's rented?
Yes. Always budget for vacancy (typically a significant amount). Tenants move out, and turnover takes time. Ignoring vacancy is a common mistake that leads to overestimating returns.
What defines 'Net Operating Income' (NOI)?
NOI is your total income minus all operating expenses (taxes, insurance, maintenance, etc.). Crucially, NOI excludes mortgage payments (principal and interest). It represents the property's ability to generate income independent of debt.
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