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Real Estate Calculator
Estimate mortgage payment, effective rent, NOI, monthly cash flow, cap rate, cash-on-cash return, and projected five-year equity for a rental property deal.
Real Estate Calculator
Use this free real estate calculator to review a rental-property deal from both the financing side and the operating side. Enter the purchase price, down payment, closing costs, rehab budget, rent, vacancy, expenses, and loan assumptions to estimate monthly cash flow, NOI, cap rate, cash-on-cash return, and projected equity. It works well with the Mortgage Calculator, the ROI Calculator, and the full Financial Calculators category.
Purchase and Financing
Rental Performance
Results
deal viewThis deal is running negative monthly cash flow
Under the current assumptions the property is short about $88.95 per month, so rent, price, leverage, or expenses may need to change.
Property and Loan
Purchase Price$450,000.00
Loan Amount$360,000.00
Cash Needed Upfront$120,000.00
Monthly Mortgage Payment$2,334.95
Five-Year Property Value$534,458.84
Projected Five-Year Equity$196,506.07
Rental Performance
Effective Monthly Rent$3,196.00
Monthly Cash Flow$-88.95
Annual Cash Flow$-1,067.40
Annual NOI$26,952.00
Cap Rate6.0%
Cash-on-Cash Return-0.9%
Gross Rent Multiplier11.03x
Mortgage schedule snapshot
Month-by-month financing snapshot showing payment split and remaining loan balance for the real estate deal.
Showing 1-12 of 360 months
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $2,334.95 | $309.95 | $2,025.00 | $359,690.05 |
| 2 | $2,334.95 | $311.69 | $2,023.26 | $359,378.36 |
| 3 | $2,334.95 | $313.45 | $2,021.50 | $359,064.91 |
| 4 | $2,334.95 | $315.21 | $2,019.74 | $358,749.70 |
| 5 | $2,334.95 | $316.98 | $2,017.97 | $358,432.72 |
| 6 | $2,334.95 | $318.77 | $2,016.18 | $358,113.95 |
| 7 | $2,334.95 | $320.56 | $2,014.39 | $357,793.39 |
| 8 | $2,334.95 | $322.36 | $2,012.59 | $357,471.03 |
| 9 | $2,334.95 | $324.18 | $2,010.77 | $357,146.85 |
| 10 | $2,334.95 | $326.00 | $2,008.95 | $356,820.85 |
| 11 | $2,334.95 | $327.83 | $2,007.12 | $356,493.02 |
| 12 | $2,334.95 | $329.68 | $2,005.27 | $356,163.34 |
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What is a real estate calculator?
A real estate calculator is a property-analysis tool that helps you translate a purchase idea into financing numbers and operating numbers. Instead of reviewing only the mortgage payment or only the rent, it combines both sides so you can see how a property deal behaves as an investment.
That makes it useful for rental-property screening, cash-flow planning, and quick deal comparison before you move into deeper underwriting. To isolate the loan structure you can continue into the Mortgage Calculator, and to compare return framing you can use the ROI Calculator or browse more Financial Calculators.
How this calculator works
The calculator first determines the loan amount from purchase price minus down payment, then estimates the monthly mortgage payment from the interest rate and loan term. On the operating side, it reduces monthly rent by the vacancy allowance to estimate effective rent, then subtracts operating expenses and debt service to find monthly and annual cash flow.
It also computes NOI, cap rate, gross rent multiplier, and cash-on-cash return, then projects a simple five-year equity figure from appreciation and mortgage amortization. If you want to pressure-test affordability from the owner side rather than the investor side, continue into the How Much House Can I Afford? tool or compare lease economics in the Rent Calculator.
Worked example
The default example uses a $450,000.00 property with $90,000.00 down, rent of $3,400.00 per month, and a modest vacancy and expense assumption so you can review deal quality quickly.
Example inputs
Purchase price$450,000.00
Cash needed upfront$120,000.00
Monthly rent$3,400.00
Vacancy rate6.0%
Example result
In the default example, the property produces about $-88.95 of monthly cash flow, an annual NOI of $26,952.00, and a cap rate near 6.0%. With appreciation and principal paydown, the five-year equity projection rises to roughly $196,506.07.
Frequently asked questions
This real estate calculator estimates the financing side of a property deal and the operating side at the same time. It shows loan amount, mortgage payment, effective rent after vacancy, annual NOI, monthly cash flow, cap rate, cash-on-cash return, and a simple five-year equity projection.
Related financial tools
Continue from deal screening into loan structure, home budget, return analysis, and rental planning with these related tools.
If you are comparing whether a property makes sense as a financed asset, it also helps to review the Mortgage Calculator, the How Much House Can I Afford?, and the ROI Calculator before moving forward on a purchase.
Explore This Tool in Context
Real Estate Calculator is part of the Financial Calculators collection. If you want a broader view of similar workflows, open the Financial Calculators category page or browse all QuickTools categories.
Common next steps after this tool include Estate Tax Calculator, Social Security Calculator and Annuity Payout Calculator.
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