Rental Property Calculator
Estimate gross yield, net yield, cap rate and monthly cash flow for any rental property in seconds. No signup. Free.
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How to use this rental property calculator
A rental property calculator turns a listing into three numbers that matter: yield, cap rate and monthly cash flow. Enter the purchase price, expected rent and your operating costs — the calculator does the rest. Use it to screen listings before you book a viewing.
Gross rental yield
Gross yield is annual rent divided by total purchase cost (price + transaction fees), expressed as a percentage. It ignores expenses, so it overstates returns — but it's the fastest way to compare two listings side by side.
Net rental yield and cap rate
Net yield subtracts vacancy, management, maintenance, taxes and insurance from annual rent, then divides by total purchase cost. Cap rate uses the same numerator (net operating income) but divides by the purchase price only — it's what most investors and brokers quote.
Monthly cash flow
Cash flow is what actually lands in your bank account each month after every outflow including the mortgage. A property can show a healthy yield on paper and still bleed cash monthly if the loan payment is too high. Always check both numbers.
Frequently asked questions
What is a good gross rental yield?
In most European markets a gross yield of 5–8% is solid. Below 4% the deal relies on appreciation; above 10% double-check vacancy, taxes and maintenance — the number is usually too good to be true.
How is net rental yield calculated?
Net yield = (annual rent − vacancy − operating expenses − taxes) ÷ total purchase cost × 100. Total purchase cost includes the price plus transaction fees (notary, stamp duty, agent).
What is monthly cash flow?
The rent you collect minus every monthly outflow: mortgage, management, maintenance, taxes, insurance and a vacancy reserve. Positive cash flow means the property pays you each month, even before appreciation.
Go beyond a single property
This page is a single-purpose calculator. If you want to compare own home vs deposit vs two rentals vs renovation flips vs short-term let over a 5–30 year horizon with inflation, taxes and country presets, use the full scenario model →
Educational what-if calculator. Not investment, financial, tax or legal advice.