Rental Property Calculator
Model a rental deal end-to-end: mortgage payments, NOI, cash-on-cash, year-by-year projection and exit ROI. All rates are user-entered so it works in any country.
1. Purchase
2. Recurring Operating Expenses
3. Income
4. Sell
Estimates only — consult a licensed financial adviser before acting.
Summary
Property Value vs Cumulative Cash Flow
Investment Breakdown
Annual Income vs Expenses
Year 1Depreciation figures shown are user-supplied estimates; tax treatment varies by country.
Year-by-Year Projection
capped at 30 years| Year | Property Value | Equity | Annual Income | Annual Expenses | Cash Flow | Cumulative Return |
|---|
Exit Sale Analysis
—Track every property deal in the Trading Journal
Log buy/sell tickets, attach screenshots, and review cash-flow against your other investments — all in one journal.
Estimates only — consult a licensed financial adviser before acting.
How the maths works
Your monthly mortgage comes from the standard PMT formula: loan amount × rate × (1+rate)n ÷ ((1+rate)n − 1). NOI is effective gross income minus management and operating expenses. Cash flow is NOI minus the annual mortgage. Cap rate uses NOI before depreciation and ignores leverage; cash-on-cash divides cash flow by the cash you actually put in. The exit ROI projects sale value either from the appreciation rate you choose or your target sell price, subtracts what's left on the loan plus cost to sell, then adds the cumulative operating cash flow.
Country-agnostic — taxes (income, capital gains, transfer) are not modelled. Always validate the numbers against your own tax advisor and lender quote.