How do I calculate cash-on-cash return?

Enter purchase price, closing costs, down payment, and rent. The calculator computes total cash invested and annual pre-tax cash flow to show cash-on-cash return.

Does this support short‑term rentals (Airbnb)?

Yes. Toggle STR inputs and provide ADR, occupancy, platform and management fees, and cleaning costs to model STR performance.

Can I export a PDF report?

Use the Download PDF button in the results header to export a multi‑page report with all tabs and inputs.

Rental Property Calculator

Free Rental Property Calculator

Quickly analyze buy-and-hold rentals and short‑term rentals (Airbnb) with cash flow, cap rate, and cash‑on‑cash return. Enter your numbers and instantly get a complete breakdown of income, expenses, and cash to close—plus a downloadable multi‑page PDF report you can share with partners or lenders.

Comprehensive analysis: cash flow, CoC return, cap rate, equity growth
STR support: ADR, occupancy, platform + management fees, cleaning
Costs table: month‑by‑month and year‑by‑year details
Optimization tips: actionable suggestions to improve profitability
Export: generate a professional PDF report of all tabs

Start Analysis

Property Information

Purchase Details

Financing Details

Rental Income

Expenses

Property Information

Property Address *

Optional: Property Features, Description & Photo

Property Type

Year Built

Bedrooms

Bathrooms

Square Feet

Purchase Details

Purchase Price *

Closing Costs *

Inspection & Appraisal Costs

I will be rehabbing this property

Optional: Property Value Growth

Annual Appreciation Rate (%)

Financing Details

I will be purchasing with cash

Down Payment *

Interest Rate *

Loan Term *

years

Points Charged

Rate reduction per point (%)

Rental Income

Use Short-Term Rental (Airbnb/STR) inputs

Gross Monthly Income *

Provide income breakdown

Optional: Income Growth

Annual Income Growth (%)

Expenses

Property Taxes *

Insurance *

PMI (Private Mortgage Insurance)

per month (auto-calculated for loans <20% down)

The following expenses are expressed as percentages of gross monthly income:

Repairs & Maintenance (%)

Capital Expenditures (%)

Vacancy (%)

Management Fees (%)

Electricity

per month

Gas

per month

Water & Sewer

per month

HOA Fees

per month

Garbage

per month

Other

per month

Optional: Expense Growth & Sales Expenses

Annual Expense Growth (%)

Sales Expenses (%)

Rental Property Analysis

Summary

Cash Flow

Returns

Costs

Optimization

Monthly Cash Flow

Cash on Cash Return

Cap Rate

Total Investment

Purchase Price

Down Payment

Cash to Close

Equity (Year 5)

Users Net Cost of Housing/mo

Year: See year-by-year in Costs

Monthly Income

Gross Rental Income: $0

Total Income: $0

Monthly Expenses

Mortgage Payment: $0

• Principal: $0

• Interest: $0

Property Taxes: $0

Insurance: $0

PMI: $0

Repairs & Maintenance: $0

Capital Expenditures: $0

Vacancy: $0

Management Fees: $0

Utilities & Other: $0

Total Expenses: $0

Cash to Close Breakdown

Down Payment: $0

Closing Costs: $0

Inspection/Appraisal: $0

Rehab Costs: $0

Total Cash to Close: $0

Annual Cash Flow Projection

Year	Income	Expenses	Cash Flow	Cumulative	Loan Balance	Property Value

Cash on Cash Return

Cap Rate

5-Year ROI

Gross Rent Multiplier

Equity (Year 5)

Long-Term Rental (Monthly)

Monthly Income: $0

Monthly Cash Flow: $0

Short-Term Rental (ADR × Occ)

Monthly Income: $0

Monthly Cash Flow: $0

40-Year Costs Projection (P+I, Taxes, Insurance)

Year	Principal Paid	Interest Paid	Property Taxes	Insurance	Total Costs (P+I+Tax+Ins)	Cumulative Costs	Loan Balance	Property Value	Users Net Cost of Housing/mo

Cash Flow Optimization

Adjust these parameters to see how they would affect your cash flow:

Purchase Price:

Monthly Rent:

Down Payment:

Interest Rate:

0% 0%

Optimization Impact

Original Monthly Cash Flow: $0

New Monthly Cash Flow: $0

Difference: $0

Suggestions to Reach Neutral/Positive Cash Flow

Shown only when your original cash flow is negative.