real-estaterentalinvestmentroipropertycap-ratecash-on-cash1-percent-rule
//// Financial · Real Estate
Real Estate Investment Calculator
Evaluate any rental property deal before you make an offer. Cap rate, cash-on-cash return, 1% rule check, break-even rent, monthly cash flow, and a 10-year equity projection — all in one place.
401(k) Limit 2024$23,000
Roth IRA Limit$7,000
S&P 500 Avg Return~10%/yr
Property & Financing
Operating Expenses
1% Rule: 0.88% — Fails
Need $2500/mo minimum
-$42.76/mo cash flow
Break-even rent: $2,249/mo
Monthly Mortgage
$1,398
$50,000 down
Cap Rate
6.51%
NOI / purchase price
Cash-on-Cash
-1.03%
Annual CF / down payment
Year 10 Equity
$162K
+$107,258 total return
Monthly Breakdown
Rent income+$2,200
Mortgage payment-$1,398
Property tax-$250
Insurance-$100
Maintenance (est.)-$208
Property management-$176
Vacancy loss-$110
Net Cash Flow-$42.76/mo
10-Year Equity Projection
| Year | Property Value | Loan Balance | Equity | Cum. Cash Flow | Total Return |
|---|---|---|---|---|---|
| Now | $250K | $200K | $50K | $0 | +$0 |
| Yr 1 | $258K | $198K | $59K | -$513 | +$9K |
| Yr 2 | $265K | $196K | $69K | -$1K | +$18K |
| Yr 4 | $281K | $192K | $90K | -$2K | +$38K |
| Yr 6 | $299K | $187K | $112K | -$3K | +$59K |
| Yr 8 | $317K | $181K | $136K | -$4K | +$82K |
| Yr 10 | $336K | $174K | $162K | -$5K | +$107K |
You might also like
Savings Rate Calculator
Calculate your savings rate and see how it affects your path to financial independence. FI number, years to FI, projected retirement balance, and a sensitivity table across 5–70% savings rates.
Try it
Debt Payoff Calculator
Compare debt snowball vs avalanche — find your fastest path to debt freedom
Try it
Retirement Savings Calculator
Find out if you're on track to retire comfortably. See your projected balance, inflation-adjusted income, and exactly how much more to save each month to close any gap.
Try it