Rental Property Calculator
Last updated: October 15, 2026
Estimate rental cash flow, cap rate and cash-on-cash return.
Estimated monthly cash flow
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- Mortgage payment: —
- Annual NOI: —
- Cap rate: —
- Cash-on-cash return: —
On this page
Quick summary: Estimate rental cash flow, cap rate and cash-on-cash return.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
Rental Property Calculator
Inputs and units
Use the units shown for Purchase price ($), Down payment ($), Mortgage rate (%), Loan term, Monthly rent ($), Monthly operating expenses ($), Vacancy rate (%). Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing a scenario.
Method and assumptions
Monthly cash flow subtracts operating costs and the mortgage payment from vacancy-adjusted rent. NOI excludes the mortgage. Cap rate divides annual NOI by price; the cash-on-cash illustration divides annual cash flow by the entered down payment.
Worked example
A zero down payment leaves the cash-on-cash percentage undefined even if cash flow is calculable.
Limitations
The down payment is the only cash investment entered here. Include acquisition, reserve and rehabilitation cash separately in a full cash-on-cash analysis. Taxes and insurance must be included in operating costs.