Rental Property Calculator
The Global Real Estate Investment Simulator
How to Use This Calculator
- 1
Enter Property Details
Input purchase price, down payment, and loan terms. The calculator suggests typical values for your selected country.
- 2
Add Income & Expenses
Estimate monthly rent and operating costs like tax, insurance, maintenance, and a vacancy allowance.
- 3
Analyze Results
Review monthly cashflow, cap rate, cash-on-cash return, and 30-year equity projections.
- 4
Export a Report
Download a PDF report you can bring to a bank meeting or share with a partner.
Frequently Asked Questions
What is Cash-on-Cash return?
Cash-on-Cash return is the annual pre-tax cash flow divided by the total cash you invested (down payment plus closing and renovation costs). It measures the yearly return on the actual money you put in, not the full property price, which makes it useful for comparing leveraged deals.
How do I calculate cap rate?
Cap rate is calculated by dividing Net Operating Income (NOI) by the purchase price. NOI is your gross rental income minus operating expenses such as tax, insurance, maintenance, and management — but before mortgage payments. A property renting for $24,000/year with $8,000 in expenses and a $320,000 price has a cap rate of 5%.
What counts as a good monthly cash flow?
It depends on the market and your goals, but many investors target at least $100–300 per unit per month after all expenses and loan payments. Positive cash flow gives you a buffer for vacancies and repairs; negative cash flow means you're betting on appreciation alone.
Which expenses should I include for a rental property?
Include property tax, insurance, maintenance (often estimated at 1% of the property value per year), property management fees, HOA/common costs, utilities you cover, and a vacancy allowance of roughly 5–8% of gross rent. Underestimating expenses is the most common mistake in rental analysis.
How does the calculator handle different countries?
PropFiCalc adjusts loan structures, typical interest rates, taxes, and currency based on the country you select — for example annuity loans and wealth tax rules in Norway versus 30-year fixed mortgages in the US.
Rental Property Investment Calculator
PropFiCalc is a professional rental property calculator that helps you evaluate real estate investment profitability. Our calculator accounts for country-specific loan structures, tax rules, and depreciation methods. Whether you're analyzing your first rental property or expanding an existing portfolio, we provide accurate calculations of cashflow, cap rate, and return on equity.
Unlike simple calculators, PropFiCalc simulates the complete financial lifecycle of your investment over 30 years. You can experiment with extra payments to see how much interest you save, and download detailed PDF reports for bank meetings or investment analysis.
Cash Flow
Monthly net income after all expenses and loan payments
Cash-on-Cash
Annual return on your invested equity capital
Cap Rate
Net operating income divided by purchase price - financing independent