About this calculator

How-to: enter purchase price, down payment, mortgage terms, monthly rent and operating costs. Cap rate = NOI ÷ purchase price. Cash-on-cash = annual pre-tax cash flow ÷ total cash invested. Total ROI includes principal paydown (equity build-up) and assumed appreciation. Use the 1% rule as a quick screen: monthly rent should be at least 1% of purchase price for a viable single-family rental.

Frequently asked questions

What's a good cash-on-cash return?

8–12% is a common investor target. Above 15% often indicates elevated risk (bad neighbourhood, deferred maintenance, or overly aggressive assumptions).

Is the 1% rule still relevant?

In high-appreciation markets (coastal US, London, Amsterdam) properties rarely meet 1%. Investors accept lower cash flow for expected capital gains. In lower-cost Midwest / Northern England markets, 1%+ is achievable.

Should I include appreciation in ROI?

For decision-making, look at cash-on-cash separately from appreciation. Appreciation is speculative; cash flow is real. Historically US home prices have appreciated ~3–4% per year long-term.

What does the Rental Property ROI & Cash-on-Cash Return Calculator do?

Analyse a buy-to-let property: cash flow, cap rate, cash-on-cash return, GRM and total ROI including mortgage principal paydown. How-to: enter purchase price, down payment, mortgage terms, monthly rent and operating costs. Cap rate = NOI ÷ purchase price. Cash-on-cash = annual pre-tax cash flow ÷ total cash invested. Total ROI includes principal paydown (equity build-up) and assumed appreciation. Use the 1% rule as a quick screen: monthly rent should be at least 1% of purchase price for a viable single-family rental.

Is the Rental Property ROI & Cash-on-Cash Return Calculator free to use?

Yes. Every calculator on Calcurly.com is free, works in your browser without sign-up, and can be embedded on your own website.

How accurate is the Rental Property ROI & Cash-on-Cash Return Calculator?

Results are calculated in real time using industry-standard formulas. Treat the output as a well-informed estimate — always cross-check with local regulations, product datasheets, or a qualified real estate & rental professional before committing to a purchase or a job.

What inputs does the Rental Property ROI & Cash-on-Cash Return Calculator need?

Enter values for: Purchase price, Down payment (%), Closing costs & repairs, Mortgage APR (%), Loan term (years), Monthly rent. Sensible defaults are pre-filled where possible so you can start with a single change.

Can I embed the Rental Property ROI & Cash-on-Cash Return Calculator on my own website?

Yes — copy the iframe snippet at the bottom of this page, or use the Embed Generator to customise the size. The embedded version stays in sync with the live calculator on Calcurly.com.