Full buy-and-hold rental analysis and returns
For long-term rental investors performing comprehensive underwriting: income, expenses, financing, and multi-year wealth projection.
Rental Property Calculator
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Create Free AccountWhat it does
The Rental Property Calculator is a full-stack underwriting tool that models income, operating expenses, debt service, financing impact, and long-term wealth accumulation for buy-and-hold rentals in a single view. Input property price, rent, expenses, and loan terms — the calculator generates cap rate, cash flow, cash-on-cash return, and 30-year equity projection.
This calculator removes guesswork by automating calculations across all major underwriting dimensions. Compare scenarios with different purchase prices, financing structures, or rent assumptions to isolate which variables most impact your returns and identify the minimum acceptable terms for a deal to work.
Who it's for
- Buy-and-hold investors underwriting deals before making offers or conducting deeper due diligence
- Real estate agents presenting investment analysis packages to investor clients
- First-time landlords learning which metrics matter and how expenses affect profitability
- Portfolio managers screening off-market deals and institutional acquisitions at scale
How it works
Enter property financials
Purchase price, down payment, loan terms, annual rent, all operating expenses.
Set appreciation and rent growth
Annual property appreciation rate and annual rent increase rate.
Project wealth over time
View cumulative cash flow, equity build, and ending net worth.
Why it matters
Model every income and expense line item in one place
Project cash flow, equity, and net worth impact over 10–30 years
Test different financing scenarios
Identify which properties build true wealth fastest
Unlock all 67 calculators + AI + reports
Full access to Rental Property Calculator, 66 other calculators, live FRED rates, AI deal verdicts, conservative/base/optimistic scenario projections, printable reports, and vault storage.
Investor Starter
No credit card — ever
- 1 calculator per day (Quick Reference)
- 50 glossary definitions per day
- 5 template previews
- Market Insights (read-only)
- Limited investor games (1 game)
- +3 more features
Core Investor
7-day free trial included
- 67 Professional Calculators — Unlimited
- 1/2/5/10-Year Scenario Projections
- Save & Print Reports to Vault
- 210+ Templates & Contracts
- 110+ Phone Scripts
- +7 more features
Pro Investor
7-day free trial included
- Everything in Core Investor
- Full Investor CRM — Included
- AI Deal Analyzer & Listing Analyzer
- AI Underwriting & Property Analysis
- AI Rehab Estimator & Rent Analyzer
- +7 more features
What every calculator includes
67 Calculators
Every investment strategy — rental, flip, BRRRR, mortgage, commercial, wealth building.
Scenario Projections
Conservative, base, and optimistic 1/2/5/10-year return modeling.
AI Deal Verdict
Claude-powered analysis — strengths, risks, and actionable recommendations.
Investor Vault
Save unlimited reports. Revisit, compare, and track every deal you've analyzed.
Print-Ready Reports
Professional PDF reports to share with agents, lenders, and partners.
Address Auto-Fill
Enter a property address to pre-fill value, rent, and tax data automatically.
Live FRED Rates
Mortgage rate fields pre-populate with Federal Reserve interest rate data.
Investment-Grade Math
Every formula audited against professional underwriting standards.
Secure checkout · Cancel anytime · 7-day free trial on Core & Pro
Frequently asked questions
Should I use conservative or optimistic assumptions?
Use realistic base case. Run sensitivity analysis with high and low versions. Conservative assumptions are safer for go/no-go decisions.
What time horizon should I model?
10–15 years shows tax benefits and equity paydown; 20–30 years shows full leverage power and cash flow accumulation.
Do I include capital improvements and replacement reserves?
Yes — budget 1–2% of rent annually for roof, HVAC, foundation work. This prevents cash flow surprises.
How often should I remodel the property financially?
Annually if tracking actual performance; quarterly if evaluating new deals. Always before making hold-or-sell decisions.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
Related calculators
Cash Flow Calculator
Project monthly and annual cash flow by subtracting all expenses from gross rental income.
Open calculatorCap Rate Calculator
Divide NOI by purchase price to compare properties across markets, independent of financing.
Open calculatorCash-on-Cash Return Calculator
Measure annual pre-tax cash flow divided by total cash invested — your real return on money put in.
Open calculatorROI Calculator
Calculate total return on investment including appreciation, equity paydown, and cash flow over any hold period.
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