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About the Real Estate Calculator
This calculator estimates the financial performance of a real estate investment. Enter property and loan details to get monthly mortgage payments, net operating income, cap rate, cash-on-cash return, and projected cash flow.
The mortgage payment uses the standard amortization formula P x r x (1+r)^n / ((1+r)^n - 1). Other outputs build on inputs such as purchase price, down payment, loan term, interest rate, rental income, and operating costs like taxes, insurance, and maintenance. Cap rate comes from net operating income divided by purchase price. Base your rent figure on comparable listings and include a vacancy allowance so the income estimate stays realistic.
- Enter the purchase price, down payment, interest rate, and loan term.
- Add expected monthly rent and yearly expenses such as taxes and insurance.
- Compare the cap rate and cash flow results across properties, and consider a professional advisor for major decisions.