Rental Property Calculator

Analyze rental property ROI.

Analyze Any Rental Deal Before You Commit

Real estate investment decisions depend on understanding the actual numbers — not optimistic estimates. This calculator brings together all the key variables: financing, rental income, operating expenses, and vacancy to show whether a property will cash-flow and at what return on your investment.

Cash flow, cap rate, ROI

Why Use This Tool?

Complete Expense Picture

Include every cost — mortgage, taxes, insurance, maintenance, vacancy, and management — to get cash flow numbers that reflect reality, not best-case scenarios.

Key Investment Metrics

Cap rate and cash-on-cash return let you compare properties objectively and benchmark against market standards before making an offer.

What-If Scenarios

Adjust rent, purchase price, or down payment to model how different deal structures affect monthly cash flow and overall returns.

No Signup Required

Run unlimited analyses for free directly in your browser. Your financial data stays private and is never stored or transmitted anywhere.

How this Rental Property Calculator works

This financial planning tool analyzes the profitability of real estate investments. Users input purchase price, rental income, expenses (mortgage, tax, maintenance), and vacancy rates. The calculator outputs key metrics like Cash Flow, Cap Rate, and Cash-on-Cash Return. Essential for real estate investors, agents, and homebuyers to evaluate potential deals, compare properties, and ensure positive ROI. It simplifies complex financial formulas into a clear dashboard for informed investment decisions.

How to use this Rental Property Calculator

Enter purchase details

Input the property price, down payment amount, loan interest rate, and loan term to establish your financing costs.

Add income and expenses

Enter monthly rent, property taxes, insurance, maintenance estimate, vacancy rate, and any management fees for a complete picture.

Review the metrics

The calculator outputs monthly cash flow, annual cash-on-cash return, cap rate, and gross rent multiplier so you can evaluate the deal.

Example Usage

With a 20% down payment and typical expenses, this property produces modest positive cash flow. Cap rate and cash-on-cash return help compare it against other investment options.

Input

Purchase price: $280,000 — Down payment: 20% — Rate: 7% — Monthly rent: $2,100 — Expenses: $650/mo

Output

Monthly cash flow: +$148 — Cap rate: 5.3% — Cash-on-cash return: 3.2%

Frequently Asked Questions

What does a Rental Property Calculator do?

It estimates rental performance using your inputs like purchase price, rent, loan details, taxes, insurance, maintenance, and vacancy. It helps you understand cash flow and basic return metrics before buying.

What inputs should I include for realistic results?

Include mortgage payment, property taxes, insurance, maintenance, vacancy rate, property management, HOA (if any), and repairs. Missing expenses is the #1 reason rental returns look unrealistically high.

What is cash flow and why does it matter?

Cash flow is what's left after rent minus all monthly costs. Positive cash flow means the property pays for itself. Negative cash flow means you'll cover the gap every month.

Is ROI the same as cash flow?

No. ROI looks at overall return relative to your investment, while cash flow is monthly money in vs out. A property can have low cash flow but strong long-term returns, or vice versa.

Is this Rental Property Calculator safe to use?

Yes. It runs 100% client-side, so your financial inputs are processed in your browser and never uploaded to a server.

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The Rental Property Calculator is maintained by CodeItBro. We aim to provide the best free developer tools on the web. If you have feedback or suggestions, please visit our contact page.

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