Investment Property Calculator
This rental property return calculator helps you quickly estimate cash flow, cash-on-cash return, and projected total return for an investment property. By entering basic details like purchase price, cash invested, monthly rent, mortgage payment, and an assumed appreciation rate, you can see how leverage and income affect overall performance. Cash-on-cash return reflects income from cash flow only, while projected total return includes estimated appreciation. Results are for educational purposes and do not account for taxes, maintenance, vacancy, or financing changes, but they provide a clear starting point for evaluating rental property opportunities.
How to Read These Numbers
This calculator focuses on two core ideas: income and leverage.
Cash Flow shows how much money the property produces each month and year after paying the mortgage. This does not include taxes, insurance, maintenance, or vacancy, which vary by property and strategy.
Cash-on-Cash Return measures how efficiently your actual cash investment is working. Lower down payments can produce higher percentage returns, but they also increase risk if rents change or expenses rise.
Projected Total Return adds an assumed appreciation rate to cash flow to show a broader picture of potential performance. Appreciation is an estimate, not a guarantee, and should be viewed as a long-term assumption rather than short-term income.
Use these results as a starting point for comparison, not a final decision tool.