Real Estate Calculator
| Metric | Value |
|---|---|
| Monthly Mortgage Payment | ₹0 |
| Monthly Rent Income | ₹0 |
| Monthly Expenses | ₹0 |
| Monthly Cash Flow | ₹0 |
| Annual Cash Flow | ₹0 |
| Cap Rate | 0% |
| Cash-on-Cash Return | 0% |
| Total Investment (Down Payment) | ₹0 |
| Loan Amount | ₹0 |
| Annual NOI | ₹0 |
| Cash-on-Cash Return | 0% |
| Cap Rate | 0% |
| Year | Payment (₹) | Interest (₹) | Principal (₹) | Balance (₹) |
|---|
What Is a Real Estate Calculator?
A Real Estate Calculator helps you evaluate the financial performance of a rental property. By entering key numbers like purchase price, down payment, interest rate, rent, and operating expenses, you can quickly see the property's cash flow, cap rate, and cash-on-cash return—essential metrics for making informed investment decisions.
This tool is perfect for real estate investors, homebuyers, or anyone considering a rental property to determine if the numbers make sense.
How to Use This Real Estate Calculator
- Enter the Purchase Price — the total cost of the property.
- Enter your Down Payment — the amount of cash you are putting in.
- Enter the Interest Rate and Loan Term for your mortgage.
- Enter Monthly Rent Income — expected rent you'll collect.
- Enter Monthly Operating Expenses — property taxes, insurance, maintenance, vacancy, property management, etc.
- Click Calculate to see monthly cash flow, annual cash flow, cap rate, and cash-on-cash return.
You can adjust any number to see how changes affect your returns—for example, how a higher down payment or lower expenses improve cash flow.
How the Calculation Works
- Monthly Mortgage Payment is calculated using the standard loan amortization formula.
- Monthly Cash Flow = Rent Income − Mortgage Payment − Operating Expenses.
- Annual Cash Flow = Monthly Cash Flow × 12.
- Cap Rate = (Annual Net Operating Income / Purchase Price) × 100. NOI = (Monthly Rent × 12) − (Monthly Expenses × 12).
- Cash-on-Cash Return = (Annual Cash Flow / Down Payment) × 100.
These metrics are widely used by investors to compare properties and decide whether a deal meets their target returns.
How to Print or Save This Calculation as a PDF
- Enter your numbers and click Calculate.
- Click the Print link at the top of the page.
- In the print dialog, choose "Save as PDF" as the destination.
- Ensure "Background graphics" is enabled so charts and colours print correctly.
- Click Save — the full breakdown and summary will be included.
Frequently Asked Questions
What is a good cap rate for rental property?
A good cap rate typically ranges from 4% to 10% depending on the market and property type. Higher cap rates often indicate higher risk, while lower rates may be in more stable areas.
What is cash-on-cash return?
Cash-on-cash return is the ratio of annual cash flow to the total cash invested (down payment and closing costs). It measures the return on the actual cash you put into the property.
How do you calculate net operating income (NOI)?
NOI = Gross rental income (annual) minus operating expenses (excluding mortgage payments). It measures the property's income before debt service.
Is this real estate calculator free?
Yes, this calculator is completely free, requires no sign-up, and can be used as many times as you need to evaluate different properties.