Real Estate Calculator

Calculate cap rate, cash-on-cash return, monthly cash flow, and NOI on a rental property purchase in one all-in-one deal calculator.

⏱ Updated: 17 Sep 2026

Calculator

Free real estate calculator: find cap rate, cash flow, cash-on-cash return, and NOI on a rental property purchase.

Taxes, insurance, HOA, and maintenance combined.

Cap Rate
Monthly Cash Flow
Cash-on-Cash Return
Annual NOI

Rule-of-thumb read: a cap rate this size is generally considered — a casual guideline that varies a lot by market, not a hard threshold.

Enter a purchase price, financing terms, and rental income and expenses to size up whether a rental deal is any good.

How to Use the Real Estate Calculator

Purchase price, financing terms, rent, operating expenses, vacancy rate, and closing costs — eight fields cover a full deal. Enter them all and four numbers come back: cap rate, monthly cash flow, cash-on-cash return, and annual NOI, plus a one-line read on whether the cap rate looks strong for a rental by a common rule of thumb.

Cap rate measures return as if the property were bought entirely in cash, which makes it the number to reach for when sizing up a deal independent of financing. Cash-on-cash measures return specifically on the money actually put in — down payment plus closing costs — after the mortgage payment comes out, which is the number that matters once financing enters the picture.

NOI = (Rent × (1 − Vacancy %)) − Operating Expenses
Cap Rate = Annual NOI ÷ Purchase Price
Cash-on-Cash = Annual Cash Flow ÷ (Down Payment + Closing Costs)

This is a broader, all-in-one version of the site's Rental Property Calculator, built for a different question: not "how do cap rate and cash-on-cash work," but "is this specific deal any good." The verdict label leans on a loose, widely-repeated rule of thumb — above 8% strong, 5-8% fair, below 5% thin — and it's exactly that loose. A 4% cap rate in a stable, low-crime market with rock-solid appreciation can beat a flashy 9% in a market nobody wants to be a landlord in. Use the number as a starting filter, not a verdict on the property itself.