Rental Property Calculator
Analyze a rental property’s monthly cash flow, net operating income, cap rate and cash-on-cash return after vacancy, expenses and financing.
Your numbers
- Cap rate
- 5.44%
- Cash-on-cash return
- -1.99%
- Annual NOI
- $16,312
- Cash invested
- $83,000
- Mortgage payment
- $1,497
- Mortgage$1,497
- Taxes & insurance$417
- Maintenance & mgmt$480
- Vacancy$144
How the rental property calculator works
NOI = rent × (1 − vacancy) − operating expenses. Cash flow = NOI − mortgage payments. Cap rate = NOI ÷ price. Cash-on-cash = annual cash flow ÷ cash invested.
Example
Using the default inputs (Purchase price: $300,000; Down payment: 25%; Mortgage rate: 7%; Monthly rent: $2,400; Vacancy: 6%; …), the calculator returns monthly cash flow of -$138. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
What is a good cash-on-cash return?
Many investors target 8%–12% or higher depending on risk and appreciation potential.
What expenses do people forget?
Maintenance, capital expenditures, vacancy, property management and turnover costs.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.