Rental Property ROI Calculator
Calculate cap rate and cash-on-cash return from price, financing, and rent
Enter the purchase price, loan amount and interest rate, security deposit, monthly rent, and operating costs, and get your capitalization rate (cap rate) and cash-on-cash return (the yield on the money you actually put in) right away. It's built for first-time landlords and small investors sizing up an income property. All calculations run in your browser, so the figures you enter never reach a server.
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🔒 Everything runs 100% in your browser. Your files and input are never uploaded to any server.
How to use
- Enter the property's purchase price and the security deposit you'll collect
- Enter the loan amount and the interest rate (%)
- Enter the monthly rent and your annual maintenance and operating costs
- Review the cap rate, cash-on-cash return, total cash invested, and annual cash flow, then copy the results
FAQ
- What's the difference between cap rate and cash-on-cash return?
- Cap rate is net operating income as a percentage of the full purchase price, ignoring financing. Cash-on-cash return is pre-tax net cash flow as a percentage of the money you actually invested, after the loan and deposit are backed out. Look at both to see how leverage is working for you.
- Are closing costs like transfer taxes and agent commissions included?
- No. The calculation currently accounts only for purchase price, loan, deposit, rent, and operating costs. Acquisition taxes, agent commissions, and other transaction costs aren't included, so your real cash outlay may be higher.
- Are the amounts I enter saved or transmitted?
- No. Everything is calculated inside your browser and nothing is sent to or stored on a server.