Rental Property ROI Calculator

Cash flow is only one of the ways a rental pays you. Add loan paydown and appreciation. Everything runs in your browser.

Total return (year 1)

Total cash invested ($)

Annual cash flow ($)

Principal paid down in year 1 ($)

Property value ($)

Appreciation (%/yr)

Appreciation ($)

Total return ($)

Total ROI

Cash-on-cash only

Cash flow — rent left after all expenses and the mortgage.
Principal paydown — each payment reduces your loan; see the amortization in the mortgage calculator.
Appreciation — not guaranteed; use a conservative rate.
Tax benefits — mainly depreciation (see the depreciation calculator), not included here.

Appreciation and paydown are not spendable until you sell or refinance, so many investors require positive cash flow first.

No. Values can fall; run a 0% case.

Total returns of 10–20% on cash invested are common targets for leveraged rentals, but they come with leverage risk.