Landlord ROI Calculator

Estimate year-one NOI, cash-on-cash return, cap rate, and multi-year cumulative cash flow for a rental property from rent, vacancy, expenses, debt service, and growth assumptions.

Last updated: 2026-03-25

Landlord ROI calculator

Enter your values

See whether a rental hold works today and whether it compounds into a stronger or weaker deal over time.

Cash-on-Cash ROI

Enter rent, expense, financing, and growth assumptions to estimate landlord ROI and projected cash flow.

Calculation History(0)

No calculations yet. Complete a calculation to see it here.

Example calculations

Tap an example to prefill the calculator with sample values.

Stable single-family rental

$2,650 rent with moderate expenses and leverage

A practical year-one to year-five screen for a standard long-term landlord hold.

Result: Cash-on-cash returns start modestly but cumulative cash flow compounds as rent growth outruns expenses

Tighter duplex deal

$3,400 rent with higher operating drag

Useful when the property has more rent density but also more recurring maintenance and turnover cost.

Result: Cap rate can stay acceptable while cash-on-cash return remains more sensitive to leverage and expense creep

How the landlord ROI model works

The calculator estimates collected rent after vacancy, subtracts operating expenses to get year-one NOI, then subtracts debt service to calculate year-one cash flow and cash-on-cash return.

It also projects multi-year cash flow by growing rent and expenses separately, which helps show whether the deal gets stronger or weaker as time passes.

Landlord ROI FAQs

How to interpret NOI, cash-on-cash return, and cumulative cash flow for a rental hold.

How is this different from a simple rental-yield calculator?

This version layers in multi-year rent and expense growth so you can see how a landlord hold evolves, not just what the first year looks like on a static yield basis.

Should mortgage principal be counted as an expense?

For cash-flow planning, yes, because it leaves your bank account each month. For cap rate and NOI, no, which is why the calculator keeps NOI separate from debt service.

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Link landlord operating returns with appreciation and property-screening tools.

Property Appreciation Calculator

Pair operating cash flow with equity growth from market appreciation.

Rental Yield Calculator

Compare this landlord-focused projection with a simpler property-screening model.

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