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Rental property calculator

Most deal analysis overstates returns by leaving out vacancy, capital reserves, and the value of your own management time. This one includes them by default, which is why the numbers look lower than the listing's pro forma.

Free, no sign-up, nothing saved or sent anywhere — it all runs in your browser.

Deal inputs
Purchase
$
%
$
Loan
%
Rental income
Quick fill
$

Stamps out N units at the same rent — then edit any row below.

$
Total monthly rent$2400.00
$

laundry, parking, etc.

%

On top of unoccupied units above — use ~5% for normal turnover.

Operating expenses
%

% of effective gross income

%

% of monthly rent

%

% of monthly rent

$

U.S. avg ~1.1% of purchase price · varies a lot by state

$

Typical landlord policy ~0.4% of value · check your zip

$
$
Monthly cashflow
Healthy
$152.00
$1,824.00 / yr
Cash-on-cash return
Weak
3.32%
annual cashflow ÷ cash invested
Cap rate
Healthy
7.12%
NOI ÷ purchase price
DSCR
Marginal
1.11
NOI ÷ debt service
Loan & cash invested
Loan amount$200,000.00
Down payment$50,000.00
Closing costs$5,000.00
Cash invested$55,000.00
Monthly P&I$1,330.60
Income & expenses (monthly)
Effective gross income$2,280.00
Operating expenses$797.40
NOI (monthly)$1,482.60
NOI (annual)$17,791.20
Quick checks
1% rule
Fail
Gross Rent Multiplier8.7
Break-even occupancy88.7%