Cap rate is a quick measure of return based on net operating income (NOI) divided by purchase price. It ignores financing and focuses on property performance.

What is cash-on-cash return?

Cash-on-cash return measures annual cash flow divided by the cash you invested (down payment and closing costs). It reflects the impact of financing.

Does this calculator include taxes and insurance?

Only if you include them in “monthly operating expenses”. Results are estimates; verify with real quotes and local market data.

Free Rental Property ROI Calculator | Estimate Cash Flow

Name: RentMouse
Rating: 4.9 (324 reviews)
Author: RentMouse

Estimate rental ROI: cap rate, cash-on-cash return, and cash flow from a few simple inputs.

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This calculator provides estimates for planning only. Always validate with real costs, market rent comps, and local rules.

Inputs

Purchase price

Down payment

Closing costs (one-time)

Interest rate (%)

Loan term (years)

Monthly rent

Monthly operating expenses (excl. mortgage)

Vacancy rate (%)

Maintenance reserve (%)

Tip: Use your local currency. These calculations are estimates and don't include taxes, insurance, or other costs unless you put them in “operating expenses”.

Results

Loan amount$280,000

Monthly mortgage (est.)$1,769.79

Effective rent (after vacancy)$2,375.00

Maintenance reserve$125.00

Monthly NOI (est.)$1,600.00

Monthly cash flow (est.)-$169.79

Annual cash flow (est.)-$2,037.49

Cash invested$76,000

Cap rate (est.)5.5%

Cash-on-cash return (est.)-2.7%

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