Free tool

Rental Property Calculator

Run the numbers on a rental the way investors do — cash flow after realistic allowances, cap rate, and cash-on-cash return.

Purchase price$Down payment%Interest rate%Monthly rent (total)$Property taxes (yearly)$Insurance (yearly)$Vacancy allowance%Maintenance allowance%Property management%

Monthly cash flow$110/mo

Mortgage (P&I)$1,119

Operating costs$571

Cap rate7.4%

Cash-on-cash return3.3%

Cash needed (down payment)$40,000

Good to know

Budgeting 0% for vacancy and maintenance is how rentals go underwater — 8% each is a common planning floor.
House hacking a 2-4 unit with an FHA or VA owner-occupied loan can cut the down payment dramatically — see our guide.
Planning repairs before you buy? Get a free estimate on the rehab so the analysis uses real numbers.

Pricing a rehab on a rental?

Get a free planning estimate for the repairs and plug the real number into your analysis.

All free tools

Educational planning tool only — not financial, lending, tax, or legal advice, and not an offer of credit. Figures are estimates based on the inputs and standard planning formulas; consult a qualified lender or advisor for decisions.