Free Real Estate Investment Calculator

 

 

100% Free Tool

Free Real Estate Investment Calculator

Instantly calculate rental yield, cash flow, cap rate & ROI for any property. No signup required.

🏠 Property Details

20%
5.0%

💶 Income & Annual Costs

5%

📊 Results

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Deal Score
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Gross Yield
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Net Yield
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Cash-on-Cash Return
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Cap Rate
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Monthly Cash Flow (after mortgage)
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Strategist's Take
Enter your numbers to get a personalised analysis.

🔢 Key Figures

Monthly Mortgage Payment —
Annual Gross Rent —
Annual Net Rent (vacancy adj.) —
Annual Operating Costs —
Net Operating Income (NOI) —
Total Cash Invested —
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Want a Full Professional Analysis?

This free calculator gives you the key numbers. Our Executive Light Edition goes deeper — IRR, MIRR, NPV, WACC, scenario stress tests, 5-property comparison, and a boardroom-ready dashboard.

  • IRR & MIRR (Internal Rate of Return)
  • NPV — Net Present Value analysis
  • 5 financing method comparison
  • 2-variable sensitivity stress test
  • Instant Excel download
Get the Full Analyzer →

How to Use This Free Real Estate Investment Calculator

Enter your property price, expected monthly rent, down payment and mortgage terms on the left. Adjust vacancy rate and annual costs to reflect your local market. The calculator instantly updates all key investment metrics on the right.

What Metrics Does This Calculator Show?

  • Gross Rental Yield — Annual rent as a percentage of property price. Quick way to compare properties.
  • Net Rental Yield — Gross yield minus all operating costs. A more accurate picture of real returns.
  • Cash-on-Cash Return — Annual net cash flow as a percentage of your actual cash invested (down payment + closing costs). The most important metric for leveraged investors.
  • Cap Rate — Net Operating Income divided by property value. Used to compare properties independently of financing.
  • Monthly Cash Flow — What actually lands in your pocket each month after mortgage, costs, and vacancy.

What Is a Good Rental Yield?

As a rule of thumb: a gross rental yield above 7% is strong, 5–7% is solid, and below 5% should trigger caution. Net yield tells you more — always account for vacancy, management, maintenance, insurance and taxes before making a decision.

What Is Cash-on-Cash Return in Real Estate?

Cash-on-cash return (CoC) measures your actual cash income against the cash you put in. If you invested €60,000 (down payment + closing costs) and receive €6,000 net cash flow per year, your CoC return is 10%. Most professional investors target 6–10%+ on leveraged deals.

Free Calculator vs. Professional Analyzer: What's the Difference?

This free tool covers the fundamentals and is perfect for quick property screening. For serious investment decisions — especially when comparing multiple properties, modeling IRR, or presenting to partners — a professional-grade analyzer makes the difference between guessing and knowing.

Frequently Asked Questions

A gross rental yield above 7% is considered strong. 5–7% is solid, and below 5% may indicate the property is over-priced relative to rental income. Always look at net yield (after all costs) for a true picture of profitability.
Cash-on-cash return measures the annual pre-tax cash flow divided by the total cash you invested (down payment + closing costs). It tells you how hard your invested capital is working. A return above 8% is generally considered good for a buy-to-let property.
Cap rate = Net Operating Income ÷ Property Value × 100. It measures the property's return independently of how it's financed. Benchmarks vary: 4–6% in prime urban areas, 6–8% in suburban markets, 8%+ in rural or value-add properties.
This calculator is optimised for residential buy-to-let investment properties. For commercial real estate analysis (including DSCR, GRM, and multi-tenant modeling), our professional Excel tools are a better fit.
The Deal Score (0–100) is a weighted composite of all five key metrics benchmarked against industry standards. 70+ = strong deal, 50–69 = borderline, below 50 = caution. It's a quick reference — always review individual metrics before making investment decisions.