Rental Property ROI Calculator — Cap Rate & Cash Flow

How to use

1. Enter price, down payment and closing-cost percent.
2. Enter monthly rent and the annual tax and insurance figures.
3. Set maintenance, management and vacancy as shares of rent, plus HOA if any.
4. Read cap rate, cash-on-cash, gross yield, the 1% rule check and the full monthly breakdown.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

A rental property can look great on a listing and bleed cash on a spreadsheet, so this rental property ROI calculator lays the whole first-year picture on one page. Enter purchase price, down payment and closing costs, monthly rent, and the expenses that actually eat returns: property tax, insurance, maintenance as a share of rent, property management, a vacancy allowance and HOA. It computes the unlevered cap rate from net operating income, cash-on-cash return from real monthly cash flow after a mortgage payment at your rate and term, gross yield, and the classic 1 percent rent-to-price check — all shown with the working numbers, not just a verdict. Negative cash flow is reported plainly, never rounded into optimism. This is an educational estimate, not professional investment advice: taxes, depreciation, appreciation and rate changes are deliberately out of scope, so treat the output as a screening tool before you pay for an inspection or an accountant.

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