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//// Financial · Real Estate Investing

Rental Property ROI Calculator

Monthly cash flow, cap rate, cash-on-cash return, and 30-year appreciation scenarios for any rental property.

401(k) Limit 2024$23,000
Roth IRA Limit$7,000
S&P 500 Avg Return~10%/yr

Property Details

$
$
%
%
$

Annual Expenses

$
$
$
%
%

Results

Net monthly cash flow

-$425

-$5,102 annually

Negative cash flow means you'll contribute $425/mo out of pocket. This can still be a good investment if appreciation + equity buildup exceed the carrying cost.

Cap rate

4.7%

NOI ÷ price

Cash-on-cash return

-7.4%

annual CF ÷ invested

Gross rent multiplier

11.4×

price ÷ annual rent

Monthly mortgage

$1,597

30-yr at 7.0%

Total cash invested

$69,000

down + ~3% closing

Loan amount

$240,000

80% financed

Monthly Expense Breakdown

Property tax$300
Insurance$100
Management fee (10%)$202
Maintenance$250
Mortgage (P+I)$1,597
Total monthly outflow$2,449

Appreciation Scenarios

3% annual appreciation
5-year value$347,782
5-year equity$121,866
10-year value$403,175
10-year equity$197,225
30-year value$728,179
10-yr total return$77,210
Annualized (10yr)7.8%
5% annual appreciation
5-year value$382,884
5-year equity$156,969
10-year value$488,668
10-year equity$282,719
30-year value$1,296,583
10-yr total return$162,704
Annualized (10yr)12.9%

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