Rental property roi calculator

Compare rental cash flow, cash-on-cash return and capitalization rate using your rent and expense assumptions.

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Monthly gross rent

Cash invested upfront

More inputs and assumptions

Vacancy allowance (%)

Monthly operating costs

Monthly loan payment

Property purchase price

Answer

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Compare rental cash flow, cash-on-cash return and capitalization rate using your rent and expense assumptions.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Saved scenario

Save the current answer, then change an input to compare. This clears when you leave.

Formula and assumptions

Cash invested includes your down payment, purchase costs and initial work. Operating costs include taxes, insurance, repairs, management and reserves but exclude loan payments. Cash-on-cash return excludes appreciation, principal paydown and tax effects; cap rate uses operating income before financing. Vacancy is an input, not a market forecast.

Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

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Updated 2026-09-26

Using Rental property roi calculator

Compare rental cash flow, cash-on-cash return and capitalization rate using your rent and expense assumptions.

Next: Mortgage calculator

Next: Rent vs buy calculator

A worked example

Example inputs: monthly gross rent = 2000, cash invested upfront = 100000, vacancy allowance (%) = 5, monthly operating costs = 500, monthly loan payment = 800, property purchase price = 300000. Annual cash-on-cash return (%) = 7.2.

Before you use the result

Example results for monthly gross rent

These examples use Cash invested upfront: 100000; Vacancy allowance (%): 5; Monthly operating costs: 500; Monthly loan payment: 800; Property purchase price: 300000. They are reference calculations, not recommended settings.

Monthly gross rent	Annual cash-on-cash return (%)
1000	-4.2
2000	7.2
4000	30

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ToolOctopus. “Rental property roi calculator.” Updated 2026-09-26. https://tooloctopus.com/rental-property-roi-calculator.

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