Rental Property Calculator
Cash flow = Rent − (Mortgage + Tax + Insurance + Maintenance); ROI = Annual cash flow ÷ Down payment × 100Mortgage≈$1,439; total costs≈$2,239; cash flow≈−$239/month; negative cash flow
Free online tool
Rental Property Calculator
Enter purchase price, financing, rent and expenses to evaluate ROI.
Instant calculation
Rental Property Calculator
Enter purchase price, financing, rent and expenses to evaluate ROI.
Your result
Calculation
Your numbers stay in this browser. Nothing is uploaded or saved.
Three clear steps
How to use this calculator
- 01
Enter purchase details
Type the purchase price and down payment.
- 02
Enter rental income
Type the expected monthly rent.
- 03
Enter expenses
Provide financing terms, taxes, insurance and maintenance estimates.
The formula
How this calculation works
Evaluates rental income against all carrying costs to determine cash-on-cash return.
Check the method
Worked examples
Each example follows the same formula used by the calculator.
$300,000 property, $60,000 down, $2,000 rent, 6% rate, 30yr, 1.2% tax, $1,200 insurance, $2,400 maintenance — ROI?
Mortgage≈$1,439; total costs≈$2,239; cash flow≈−$239/month; negative cash flowNegative cash flow; reconsider or increase rentCommon questions
Questions about this calculation
What is the Rental Property Calculator?
The Rental Property Calculator helps you analyze the cash flow and return on a rental property investment. Enter your values and select Calculate to get an instant result.
How is the result calculated?
Evaluates rental income against all carrying costs to determine cash-on-cash return.
Can you show an example?
Example: $300,000 property, $60,000 down, $2,000 rent, 6% rate, 30yr, 1.2% tax, $1,200 insurance, $2,400 maintenance — ROI? — Negative cash flow; reconsider or increase rent.
Is my data saved when I use the Rental Property Calculator?
No. All calculations run locally in your browser. Your inputs and results are never uploaded, stored or shared with anyone.
Is the Rental Property Calculator free to use?
Yes. The Rental Property Calculator is completely free. No account, sign-up or payment is required. It works on mobile, tablet and desktop.
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