Real Estate Calculator
Free Real Estate Calculator for financial. Enter your values to compare options, see amortization, and plan smarter.
Formula
Cap Rate = NOI / Property Value
Calculate cap rate, cash-on-cash return, monthly cash flow, and long-term equity projections for rental properties.
Worked Examples
Example 1: Calculate Cash Flow
Problem:$250,000 property, 25% down, $1,800/mo rent, 6% rate, 30 years.
Solution:Down payment: $62,500\nLoan: $187,500\nMonthly mortgage: ~$1,124\n\nExpenses:\n- Mortgage: $1,124\n- Taxes (1.2%): $250\n- Insurance: $100\n- Maintenance (1%): $208\n- Total: $1,682\n\nCash flow: $1,800 - $1,682 = $118/mo\nAnnual: $1,416
Result:$118/mo cash flow
Example 2: Cap Rate Analysis
Problem:Property: $400,000, Annual rent: $36,000, Expenses: $12,000.
Solution:Gross rent: $36,000\nOperating expenses: $12,000\n- Taxes: $4,800\n- Insurance: $1,500\n- Maintenance: $4,000\n- Vacancy (5%): $1,800\n\nNOI = $36,000 - $12,000 = $24,000\n\nCap Rate = $24,000 / $400,000 = 6%\n\nAt 6% cap, this is fair for stable market.
Result:6% cap rate
Example 3: Cash-on-Cash Return
Problem:$50,000 total invested, $6,000 annual cash flow.
Solution:Total cash in:\n- Down payment: $40,000\n- Closing costs: $8,000\n- Repairs: $2,000\nTotal: $50,000\n\nAnnual cash flow: $6,000\n\nCash-on-Cash = $6,000 / $50,000 = 12%\n\nThis exceeds stock market average (~10%). Good return for rental property.
Result:12% cash-on-cash