Rental Property ROI Calculator

Calculate your real estate investment returns including Cap Rate, Cash-on-Cash Return, and total ROI.

# Real Estate # Rental # Investment # Passive Income

Property Price

Monthly Rent

Annual Expenses

Down Payment (%)

Interest Rate (%)

Loan Term (Yrs)

Cap Rate

0.00%

Monthly Cash Flow

Cash-on-Cash Return

0.00%

30-Year Equity Growth Projection

Investment Milestone Projection

Projected property value, home equity, and cumulative cash flow over the loan term.

Timeline	Prop. Value	Home Equity	Cumul. Cash Flow	Total ROI
1 Year 0	$500,000	$100,000	$0	0.0%
2 Year 5	$579,637	$205,193	$-23,646	81.5%
3 Year 10	$671,958	$332,854	$-25,175	207.7%
4 Year 15	$778,984	$488,747	$-882	387.9%
5 Year 20	$903,056	$680,394	$53,542	633.9%
6 Year 25	$1,046,889	$917,672	$143,115	960.8%
7 Year 30	$1,213,631	$1,213,631	$273,676	1387.3%

* Estimates based on fixed annual returns and monthly contributions.

Is Your Investment Working For You?

Real estate is a powerful wealth builder, but only if the numbers make sense. A "good deal" isn't based on feelings—it's based on cash flow and equity growth.

📊 Key Metrics Explained

1. Cap Rate (Capitalization Rate): The annual return assuming you paid all cash. * *Formula*: Net Operating Income / Purchase Price. 2. Cash-on-Cash Return: The return on the actual cash you invested (down payment + closing costs). This maps more closely to your real-world bank account. 3. Net Operating Income (NOI): Your total rent minus all expenses (excluding mortgage). This shows the property's raw earning power.

The 1% Rule

Many investors use the 1% Rule as a quick filter: The monthly rent should be at least 1% of the purchase price. In today's market, this is harder to find, making detailed ROI calculation even more critical.

Hidden Expenses to Track

* Vacancy: Assume 5-8% of rent is lost to turnover. * Repairs/Maintenance: Set aside 1% of property value per year. * Property Management: Typically 8-10% of gross rent. * Insurance & Taxes: These often increase 3-5% annually.

Results Rental Property ROI Calculator

This is a powerful online tool designed to help you calculate your Finance metrics instantly. We are dedicated to providing accurate and easy-to-use financial and life tools.