justyourcalculatorRental Property Calculator
See a rental's monthly cash flow and long-term return.
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Rental Property Calculator
Cash flow, cap rate and return of a rental
Monthly cash flow (year 1)
$77.53
$930 a year after the mortgage
- Internal rate of return
- 13%
- Cap rateYear-1 net operating income / price
- 6.44%
- Cash-on-cash return
- 1.66%
- Net operating income (year 1)
- $16,100
- Mortgage payment
- $1,264.14 / month
- Cash needed up front
- $56,000
- Sale proceeds after 20 yearsAfter selling costs and loan payoff
- $308,590
- Total profit
- $381,811
Before income taxes and depreciation. Rent and costs rise at the rates you set; vacancy applies to all income. Estimates only, not investment advice.
- Cash flow
- Value
- Equity
| Year | Income | Expenses | NOI | Mortgage | Cash flow | Equity |
|---|---|---|---|---|---|---|
| 1 | $22,800 | $6,700 | $16,100 | $15,170 | $930 | $59,735 |
| 2 | $23,484 | $6,901 | $16,583 | $15,170 | $1,413 | $69,846 |
| 3 | $24,189 | $7,108 | $17,080 | $15,170 | $1,911 | $80,347 |
| 4 | $24,914 | $7,321 | $17,593 | $15,170 | $2,423 | $91,258 |
| 5 | $25,662 | $7,541 | $18,121 | $15,170 | $2,951 | $102,597 |
| 6 | $26,431 | $7,767 | $18,664 | $15,170 | $3,495 | $114,382 |
| 7 | $27,224 | $8,000 | $19,224 | $15,170 | $4,055 | $126,636 |
| 8 | $28,041 | $8,240 | $19,801 | $15,170 | $4,631 | $139,379 |
| 9 | $28,882 | $8,487 | $20,395 | $15,170 | $5,225 | $152,635 |
| 10 | $29,749 | $8,742 | $21,007 | $15,170 | $5,837 | $166,427 |
| 11 | $30,641 | $9,004 | $21,637 | $15,170 | $6,467 | $180,781 |
| 12 | $31,561 | $9,274 | $22,286 | $15,170 | $7,117 | $195,723 |
| 13 | $32,507 | $9,553 | $22,955 | $15,170 | $7,785 | $211,283 |
| 14 | $33,483 | $9,839 | $23,643 | $15,170 | $8,474 | $227,489 |
| 15 | $34,487 | $10,134 | $24,353 | $15,170 | $9,183 | $244,374 |
| 16 | $35,522 | $10,438 | $25,083 | $15,170 | $9,914 | $261,969 |
| 17 | $36,587 | $10,752 | $25,836 | $15,170 | $10,666 | $280,311 |
| 18 | $37,685 | $11,074 | $26,611 | $15,170 | $11,441 | $299,437 |
| 19 | $38,815 | $11,406 | $27,409 | $15,170 | $12,240 | $319,385 |
| 20 | $39,980 | $11,748 | $28,231 | $15,170 | $13,062 | $340,197 |
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How the rental property calculator works
Cash flow is rent after vacancy, minus operating costs (property tax, insurance, HOA, maintenance, management and other costs), minus the mortgage payment. Positive cash flow means the property pays for itself each month.
The long-term return adds rent growth, the loan being paid down and the property's appreciation, then sells it at the end of the holding period after selling costs. The internal rate of return (IRR) turns all of it into one yearly rate.
A useful quick check is the 1% rule: monthly rent of at least 1% of the price often means positive cash flow, though high-cost markets rarely meet it.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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