Rental Property Calculator
Enter a positive purchase price and valid financing/income details.
Effective monthly income $0.00
Mortgage payment $0.00
Monthly cash flow $0.00
Cap rate 0%
Cash-on-cash return 0%
Free rental property calculator showing monthly cash flow, cap rate, and cash-on-cash return together — factoring in vacancy rate, mortgage payment, taxes, insurance, and maintenance/management costs.
This tool is for informational purposes only and is not a substitute for professional financial or medical advice.
Consult a qualified professional before making decisions. See our Disclaimer.
How it works
- Enter the purchase price, financing details, and expected monthly rent
- Add vacancy rate and monthly operating costs (tax, insurance, maintenance, management)
- See effective income, mortgage payment, monthly cash flow, cap rate, and cash-on-cash return
Frequently asked questions
What's cap rate vs. cash-on-cash return?
Cap rate is annual net operating income divided by the purchase price — it ignores financing, useful for comparing properties on their own merits. Cash-on-cash return is annual cash flow divided by your actual cash invested (the down payment) — it reflects your real return given how the deal is financed.
Why does vacancy rate matter?
No rental sits occupied 100% of the time. Applying a vacancy rate to your rent gives a more realistic effective income than assuming the unit is always rented.
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Update history
- 2026-09-03 Bounded numeric fields are now sliders instead of number inputs.
- 2026-09-01 Added: a cover image (a small apartment building with a key hanging from it, beside two gauges marked with a rising arrow and a percent sign) — used as the card thumbnail, social share image, and blog title image.
- 2026-09-01 Launched: rental property calculator (no button) — monthly cash flow, cap rate, and cash-on-cash return, accounting for vacancy rate and full operating costs. Entirely client-side.