🏘️ Rental Property ROI Calculator

Complete rental property analysis — monthly cash flow, cap rate, cash-on-cash return, and a 10-year equity + cash flow projection with dual-axis chart.

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Inputs
$
%
%
yr
$
$
$
%
% of value
%
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Results
Cash-on-Cash Return
Gross Rental Income
Effective Rent (vacancy adj.)
Mortgage Payment
Total Annual Expenses
Net Operating Income
Annual Cash Flow
Cap Rate
5-Year Equity + Cash Flow
Cap Rate = NOI ÷ Purchase Price
Cash-on-Cash = Annual Cash Flow ÷ Cash Invested (Down Payment)
NOI = Effective Rent − Operating Expenses (excl. mortgage)

Cap rate ignores financing and measures the property's inherent yield. Cash-on-cash measures your actual return on the cash you invested. A 6–8% cap rate is generally considered healthy in most markets. Positive cash flow after all expenses (including mortgage) is the minimum threshold for a viable investment property.