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Rental Property Calculator

Estimate the potential cash flow and returns from a rental property.

Enter the property purchase details, expected rental income and expenses in the white box. The blue box shows your estimated mortgage payment, expenses, cash flow and investment returns.

Purchase price ($) Down payment ($) Interest rate (%) Loan term (years) Monthly rent ($) Annual property tax ($) Annual insurance ($) Maintenance (% of rent) Vacancy (% of rent) Other monthly expenses ($)

Mortgage payment $0

Operating expenses $0

Total monthly expenses $0

Annual cash flow $0

Cap rate 0%

Cash-on-cash return 0%

Estimated monthly cash flow $0

How the rental property calculator works

This calculator estimates the potential monthly and annual cash flow from a rental property after mortgage payments and estimated operating expenses.

Operating expenses include property tax, insurance, maintenance, vacancy and any other monthly expenses you enter.

The cap rate is calculated using estimated annual net operating income before mortgage payments, divided by the property purchase price.

Cash-on-cash return compares estimated annual cash flow with the down payment entered. This is a simplified estimate and does not include closing costs, renovation costs, appreciation, income taxes or selling costs.

This calculator provides estimates for planning purposes only. Actual rental income, expenses and investment returns can vary.