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Rental Property Calculator

Use this free Rental Property Calculator to analyze cash flow and ROI for rentals. Simple, accurate, and easy to use for investors.

The Rental Property Calculator is a comprehensive tool for real estate investors. It helps you evaluate the profitability of a potential investment by analyzing cash flow, cap rate, and cash-on-cash return.

Successful investing requires accounting for all expenses—not just the mortgage. This calculator breaks down costs into purchase, recurring expenses, and income to give you a clear financial picture.

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Fincalculator

INPUT VALUES

Purchase Price200000
Down Payment40000
Interest Rate (%)7
Loan Term (Years)30
Monthly Rent Income2000
Vacancy Rate (%)5
Management Fee (%)0
Property Tax (Monthly)200
Insurance (Monthly)100
Maintenance Cost (Monthly)150
HOA Fee (Monthly)0
Other Costs (Monthly)0
Annual Value Appreciation (%)3
Holding Length (Years)10

When to Use This Calculator

Use this calculator to:

  • Analyze Deal Viability: Quickly determine if a property meets your investment criteria (e.g., minimum 8% Cap Rate).
  • Compare Properties: Input different scenarios to see which property offers the best return on investment.
  • Estimate Cash Flow: Ensure the rental income covers all expenses and leaves positive cash flow in your pocket.

Example Scenario

Purchase: $200,000 Price, $40,000 Down (20%).
Income: $2,000 Rent/month.
Expenses: Mortgage (~$1,060) + Tax/Ins/Maint (~$450) = ~$1,510.

Cash Flow: $2,000 - $1,510 = $490/month positive cash flow.