Free rental property ROI calculator

Cash-on-cash return, cap rate, and monthly cash flow — in seconds. No signup.

Purchase price ($)

Down payment ($)

Closing costs ($)

Rehab / initial ($)

Interest rate (%)

Loan term (years)

Monthly rent ($)

Other monthly income ($)

Vacancy rate (%)

Property taxes / year ($)

Insurance / year ($)

HOA / month ($)

Maintenance (% of rent)

CapEx reserve (% of rent)

Property mgmt (% of rent)

How the numbers work

Cash-on-cash return = Annual cash flow ÷ total cash invested. Investors typically target 8%+ for buy-and-hold rentals.

Cap rate = Net operating income ÷ purchase price. Removes financing from the picture so you can compare properties on an apples-to-apples basis.

Cash flow = Rent (minus vacancy) − operating expenses − mortgage. This is what actually hits your bank account each month.

Note: These are estimates. Real deals include appraisals, inspections, insurance quotes, and tax records — not defaults.