Rental Property ROI Calculator

Enter price, financing, rent and expenses to see cap rate, cash-on-cash return and cash flow.

Purchase price

Monthly rent

Financing

Down payment (%)

Closing costs (one-time)

Mortgage APR (%)

Loan term (years)

Operating expenses

Property tax (annual)

Insurance (annual)

Maintenance (% of rent)

Property management (% of rent)

Vacancy rate (%)

About this calculator

Cap rate = NOI ÷ price, independent of financing. Cash-on-cash = annual cash flow ÷ cash invested, and depends on your loan terms.

What counts as an operating expense

Tax, insurance, maintenance, management and vacancy loss are operating expenses. The mortgage payment is excluded from NOI/cap rate by convention, but included in cash flow.