🏠 Rental Property ROI Calculator

Analyze your investment property — cash flow, cap rate, cash-on-cash return, and total ROI in one place.

🏷️ Purchase Details

Purchase Price ($)

Down Payment (%)

Closing Costs ($)

Interest Rate (%)

Loan Term (years)

Rehab / Repair Costs ($)

Monthly Rent ($)

Other Income ($)

Property Tax ($/yr)

Insurance ($/yr)

Vacancy Rate (%)

Maintenance (%)

Property Mgmt (%)

HOA ($/mo)

Monthly Cash Flow

—

After all expenses & mortgage

Annual Cash Flow

—

Net operating income − mortgage

Cash-on-Cash Return

—

Annual cash flow ÷ total cash invested

Cap Rate

—

NOI ÷ purchase price

Net Operating Income

—

Annual income − operating expenses

Monthly Mortgage

—

Principal + interest payment

Total Cash Invested

—

Down payment + closing + rehab

1% Rule

—

Monthly rent ÷ purchase price ≥ 1%

Item	Monthly	Annual

Cap Rate — Net Operating Income divided by purchase price. Higher = better return. Typical range: 4–10%.
Cash-on-Cash Return — Annual cash flow divided by your total cash invested. Measures return on your actual out-of-pocket money.
1% Rule — Quick screening: monthly rent should be ≥ 1% of purchase price for a potentially good deal.
Vacancy Rate — Expect 5–10% vacancy in most markets. Adjust based on your local area.
Maintenance — Budget 5–10% of gross rent. Older properties may need more.
Property Management — Typically 8–12% of rent if using a manager. Set to 0% if self-managing.