Rental Property Calculator

Analyse cash flow, cap rate, and total return for any rental property investment.

Investment Details

1 yr30 yrs
Formula: ROI = (Net Profit / Cost) × 100
ROI = (35,000 / 1,00,000) × 100 = 35%

Return on Investment

+35%

Net Profit / Loss

+₹35,000

Annualized ROI (CAGR)

10.52%/yr

Rental Property Calculator Formula & How It Works

Monthly Cash Flow = Gross Rent − Vacancy − Operating Expenses − Mortgage
  • Gross Rent = Total monthly rental income
  • Vacancy = Gross Rent × vacancy rate (typically 5–10%)
  • Operating Expenses = repairs + insurance + property tax + management
  • Annual Cash Flow = Monthly Cash Flow × 12

Positive cash flow means the property generates income above all expenses including the mortgage. Annual cash flow divided by total cash invested gives cash-on-cash return. Include appreciation for total return on investment.

Rental Property Calculator FAQs

What expenses should I include in a rental property analysis?

Include mortgage P&I, property taxes, insurance, property management fees (8–12% of rent), maintenance and repairs (budget 1% of property value/year), vacancy (5–10%), HOA fees, and any utilities you cover.

What is a good cash-on-cash return for rental property?

Most investors target 8–12% cash-on-cash return. A 5% return is acceptable in appreciating markets. Below 5% or negative cash flow requires strong appreciation belief to justify the investment.

How do I estimate rental property expenses?

Use the 50% rule as a quick estimate: operating expenses are typically 50% of gross rent (excluding mortgage). This covers taxes, insurance, repairs, vacancy, and management.

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