Rental Property Calculator
Analyze the profitability of a rental property by calculating key metrics like cash flow, cap rate, cash-on-cash return, and ROI.
Published by:
isCalculator Editorial Team
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How to use this tool?
How to Use the Rental Property Calculator
This calculator helps you evaluate a rental property investment by estimating cash flow, returns, and key financial metrics. Follow these steps:
- Enter Property & Loan Details – Fill in the Purchase Price, Down Payment (%), Interest Rate (%), and Loan Term (years). All percentages are entered as numbers (e.g., 20 for 20%).
- Input Income – Provide the Monthly Rent and any Other Monthly Income (e.g., parking fees).
- Add Expenses – Enter Annual Property Tax, Annual Insurance, Monthly HOA, and Monthly Maintenance. For Property Mgmt and Vacancy Rate, use percentages (e.g., 8 for 8%).
- Include Initial Costs – Optionally add Closing Costs and Initial Repairs (one-time expenses).
- Click "Calculate" – The results will show:
- Monthly & Annual Cash Flow – Profit after all expenses.
- Cap Rate – Return based on purchase price (NOI / Price).
- Cash-on-Cash Return – Return on your invested cash (down payment + closing costs + repairs).
- ROI – Total profit over the loan term divided by total cash invested.
- Total Cash Invested – Your upfront cash outlay.
Tip: All monetary values are in US dollars ($). Ensure all inputs are positive numbers or zero. The calculator validates entries and shows errors if something is missing or invalid.
Previous Results
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Frequently Asked Questions
It calculates monthly and annual cash flow, cap rate, cash-on-cash return, ROI, and total cash invested.
The monthly mortgage payment is calculated using the standard amortization formula with the loan amount, interest rate, and loan term.
Cap rate (capitalization rate) is the net operating income divided by the purchase price, expressed as a percentage. It indicates the potential return on investment.
