Rental Property Cash Flow & ROI Calculator

How to use this calculator

Enter monthly rents, vacancy, management, maintenance, taxes, insurance and utilities. Enter principal-and-interest debt service separately so escrow costs are not counted twice.

Understand the calculation

Annual NOI excludes debt service and capital reserves. Cash flow deducts both. Cap rate divides NOI by property cost or value; cash-on-cash return divides annual cash flow by cash invested. DSCR divides NOI by annual debt service. Lenders may use different rules.

Educational example

The sample assumptions produce $174 monthly cash flow and $10,248 annual NOI. Vacancy, maintenance, management and capital allowances are percentages of gross monthly income. These estimates do not include personal income taxes.

Educational estimates only. Verify all inputs and consult appropriate legal, tax, lending and property professionals. No investment return is guaranteed.