Does your rental property make money?

Estimate monthly cash flow, operating profit, cash-on-cash return, and long-term equity. Change any assumption to update results instantly.

Property assumptions

Purchase & financing

Purchase price ($)

Down payment (%)

Mortgage interest (%)

Loan term (years)

Closing costs (%)

Initial repairs ($)

Rent & recurring expenses

Monthly rent ($)

Vacancy allowance (%)

Property tax (annual $)

Insurance (annual $)

HOA (monthly $)

Maintenance (% of collected rent)

Management (% of collected rent)

Other monthly costs ($)

Long-term projection

Annual home appreciation (%)

Holding period (years)

Selling costs (% of sale price)

Annual rent & expense growth (%)

Your estimated returns

Monthly cash flow—

Annual cash flow—

Cash-on-cash return—

Cap rate (unlevered)—

Long-term estimate

Projected property value—

Net sale proceeds—

Cumulative operating cash flow—

Estimated total gain*—

*Total gain = net sale proceeds + cumulative pre-tax cash flow − initial cash invested. Does not include income tax, capital gains tax, depreciation recapture, rent increases differing from cost inflation, major capital expenditures beyond modeled reserves, or the time value of money. Not an IRR.

Educational estimates only, not tax, legal, lending, or investment advice. Annualized model; payments are monthly, and projections use end-of-year cash flow. Negative cash flow means additional cash contributions may be needed. Maintenance is an allowance, not guaranteed spending.