计算月现金流、Cap Rate、现金回报率、ROI。含 mortgage P&I、房产税、保险、维修、空置率。
Typical: 5-10% of rent
Self-managed: 0%
Laundry, parking, storage, pet fees
$19,140/yr
$2,074/yr ($173/mo)
6.38%
2.47%
10.0
10.00% (✓ passes)
| Line | Amount |
|---|---|
| Gross rental income | $30,000 |
| − Vacancy loss | −$1,500 |
| + Other income | +$0 |
| Effective gross income | $28,500 |
| − Property tax | −$3,600 |
| − Insurance | −$1,200 |
| − Maintenance | −$2,280 |
| − Management | −$2,280 |
| = Net Operating Income | $19,140 |
| − Debt service (mortgage) | −$17,066 |
| = Cash flow | $2,074 |
The 1% rule (monthly rent ≥ 1% of property value) is a quick screen, not a guarantee — cap rate and cash-on-cash are more rigorous metrics. Typical target: cap rate 5-10%, cash-on-cash 8-12%. Our rental property calculator helps compare scenarios.
$200K 房 $1,500/月租金、首付 20% 6.5% 30 年房贷，月现金流估算：
| 项目 | 月金额 | 备注 |
|---|---|---|
| 租金收入 | +$1,500 | 50% 规则：$750 用于支出 |
| 房贷 P&I | −$1,012 | $160K @ 6.5% 30 年 |
| 房产税 | −$200 | 1.2%/年 |
| 保险 | −$100 | 出租房保险 |
| 维修/管理 | −$200 | 8-10% 租金 |
| 月现金流 | −$212 | 负现金流 = 每月补贴 $212 |
50% 规则：租金收入的 50% 用于所有支出（不含房贷），50% 是 NOI。Cap Rate = NOI / 房价。本例房价偏紧，需 $1,700+ 租金才能正现金流。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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FAQ
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A rental property calculator is a free real estate investing tool that evaluates a rental property deal by computing NOI, cap rate, cash flow, cash-on-cash return, and GRM. Our rental property calculator takes the property value, down payment, mortgage rate and term, monthly rent, vacancy rate, and operating expenses (taxes, insurance, maintenance, management), then produces a full annual cash flow statement plus the key investor metrics. It also runs the 1% rule as a quick screen.
How it works
Our rental property calculator computes NOI, cap rate, cash-on-cash return, GRM, and full annual cash flow statement for any rental property.
Type the property value, down payment percent, mortgage rate, and loan term. The rental property calculator computes the loan amount and monthly debt service using standard amortization.
Type monthly rent and vacancy rate. A typical vacancy rate is 5-8%; long-term rentals in stable markets can target 5%. Vacancy reduces effective gross income directly.
Type annual property tax, insurance, maintenance (default 8% of rent), and management (8% if hired, 0% if self-managed). These are subtracted from effective gross income to compute NOI.
The rental property calculator shows NOI, cap rate, cash-on-cash return, GRM, 1% rule check, and full annual cash flow statement. Use cap rate to compare properties regardless of financing; use cash-on-cash to compare deals at your specific investment level.
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