What does the rental ROI calculator show?

It calculates cap rate, cash flow, and ROI so you can judge whether a rental property is worth buying.

What does the rental ROI calculator show?

It calculates cap rate, cash flow, and ROI so you can judge whether a rental property is worth buying.

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Rental ROI Calculator

Calculate cap rate, cash-on-cash return, and annual cash flow for rental property investments.

ROICap rateCash-on-cashAnnual cash flow2026 tax rates

Purchase Price: $350,000

Down Payment: $70,000

Interest Rate: 6.5%

Monthly Rent: $2,200

Vacancy Rate: 5%

Property Tax (annual): $4,200

Insurance (annual): $1,500

Management Fee: 8%

Maintenance: 1.5%

Loan Term (years)

Annual Cash Flow

$-9,114

$-759/month

Cap Rate

3.46%

Cash-on-Cash

-13.02%

Gross Annual Rent$26,400

Vacancy Loss (5%)−$1,320

Effective Gross Income$25,080

Property Tax−$4,200

Insurance−$1,500

Management (8%)−$2,006

Maintenance (1.5%)−$5,250

Total Operating Expenses−$12,956

Net Operating Income (NOI)$12,124

Annual Mortgage−$21,237

💡 1031 Exchange: Defer capital gains tax by reinvesting proceeds into another investment property within 180 days (IRC Section 1031).

Data Source & Legal Disclaimer

Effective: 2026-01-01Last updated: 1 months agoUpdate: Annual

Sources: IRS Publication 527 — Residential Rental Property

Cap rate and cash-on-cash return are simplified estimates. Actual returns depend on market conditions, tax situation, and property-specific factors. This is not investment advice.

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