Real Estate Calculator

Analyze a property from both a buyer and investor perspective. Estimate mortgage payment, total monthly cost, cash to close, NOI, cap rate, and cash flow.

How to Use

  1. Enter the purchase price, down payment, loan details, and closing costs.
  2. Add monthly or annual ownership costs like taxes, insurance, HOA, PMI, and maintenance.
  3. If the property will be rented, enter rent, vacancy, and operating expenses.
  4. Review the live summary, monthly payment breakdown, and return metrics.
Property Snapshot
Live summary for ownership and rental performance.
Monthly Payment
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Cash to Close
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NOI
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Cap Rate
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Cash Flow
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Cash-on-Cash
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Deal Signal: —
Monthly Housing Cost Mix —
P&I Tax Insurance HOA PMI Other
Inputs & Settings
All calculations run in-browser. No uploads, no login, no auto-updating URL.

Purchase & Financing

Total agreed property price.
Optional for value-add deals or rehab comparison.
Choose percent or dollar amount.
Annual loan rate before extra payments.
Common terms: 15 or 30 years.
Loan fees, title, escrow, etc.
Up-front work before move-in or rent-ready.
Optional extra payment toward principal only.

Ownership Costs

Enter actual tax bill if known.
Homeowners or landlord policy.
Leave blank or 0 if none.
Private mortgage insurance if applicable.
Use for upkeep, repairs, and wear items.
Only include utilities paid by owner.

Rental Analysis

Gross scheduled monthly rent.
Parking, storage, laundry, pet rent, etc.
Percent of gross income lost to vacancy.
Use 0 if self-managed.
Supplies, admin, lawn, snow, pest, misc.
Optional projection only; not guaranteed.
Show Work (step-by-step)
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Work is shown using standard mortgage and rental-analysis formulas. Values are estimates and do not replace lender, tax, insurance, or legal advice.

Key Formulas

  • Loan Amount: Purchase Price − Down Payment
  • Monthly Principal & Interest: Standard amortized mortgage payment formula
  • Total Monthly Cost: P&I + Tax + Insurance + HOA + PMI + Maintenance + Owner-Paid Utilities
  • Effective Gross Income: Gross Rent + Other Income − Vacancy
  • NOI: Effective Gross Income − Operating Expenses
  • Cap Rate: NOI ÷ Purchase Price
  • Monthly Cash Flow: Effective Gross Income − Total Monthly Cost − Other Monthly Operating Expenses
  • Cash-on-Cash Return: Annual Cash Flow ÷ Total Cash Invested

This tool separates operating performance from financing so you can evaluate both property quality and deal structure.

FAQ

What does this real estate calculator include?

It estimates mortgage payment, monthly ownership cost, cash to close, rental income, NOI, cap rate, monthly cash flow, and cash-on-cash return.

What is NOI?

NOI means net operating income. It measures property income after operating expenses, before mortgage payments and income taxes.

What is cash-on-cash return?

Cash-on-cash return compares annual pre-tax cash flow to the actual cash you invested up front, such as down payment, closing costs, and rehab budget.

Should I use cap rate or cash flow?

Use both. Cap rate helps compare property performance before financing. Cash flow shows whether your actual loan and expense structure works month to month.

Does this replace lender estimates?

No. It is a planning tool. Actual loan terms, escrow, taxes, insurance, rent, and repair costs can differ.

Tool Info

Last updated:

Updates may include UI improvements, calculation refinements, better edge-case handling, and expanded rental metrics.