Free rental property calculator

Will this rental make money? Enter the price, rent and costs to see monthly cash flow, cap rate and cash-on-cash return. It's free, there's no sign-up, and the numbers update as you type.

Purchase and loan
Income
Costs

The starting numbers are only an example. Replace them with your own quotes for taxes, insurance and your loan.

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What the numbers mean

Cash flow
What's left each month after vacancy, operating costs and the mortgage payment. Positive means the rental pays you.
Net operating income (NOI)
Rent after vacancy, minus operating costs like taxes, insurance, HOA, repairs and management. It doesn't include the mortgage.
Cap rate
Yearly NOI divided by the purchase price. It lets you compare properties as if you paid cash.
Cash-on-cash return
Yearly cash flow divided by the cash you put in (down payment plus closing and repair costs).
Debt coverage (DSCR)
NOI divided by the mortgage payment. Above 1.0 means the rent covers the loan. Many lenders look for about 1.2 or higher.

These are estimates from the numbers you enter, not financial, tax or lending advice. Taxes and insurance vary by area, so check them with your lender and tax pro. Want help pricing the rent? Get a free rent review.