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ROI Calculator

Calculate your total return on investment including cash flow, appreciation, and equity buildup over time.

Purchase Details

$
$
Total Cash Invested:$80,500

Financing

Monthly Mortgage (P&I):$1,769.79

Need detailed amortization? Use our Mortgage Calculator

Rental Income

$
$

For detailed monthly breakdown, see our Cash Flow Calculator

Operating Expenses

$
$
$
$

Appreciation & Holding Period

0%3% (avg)10%

Cash-on-Cash Return

0.54%

Low

Monthly Cash Flow

$36.08

Cap Rate

6.19%

AI Investment Insights

5-Year Total Return

$75,800

Total ROI: 94.16% (18.83%/year)

5-Year Return Breakdown

94.16%

Total ROI

Cash Flow
$2,165
Appreciation
$55,746
Equity Buildup
$17,889

Investment Summary

Total Cash Invested$80,500
Annual NOI$21,670
Annual Debt Service-$21,237
Annual Cash Flow$433
Future Property Value (5yr)$405,746
Cash-on-Cash Return0.54%

FAQ: rental property ROI analysis

What is a good ROI for my rental property?

A good ROI depends on market risk, financing terms, and your portfolio goals. I usually compare cash-on-cash return, cap rate, and downside risk together instead of relying on one number.

How does vacancy risk change ROI?

Vacancy compresses effective income and can materially lower annual returns. I estimate vacancy drag in the Vacancy Cost Calculator and test renewal scenarios in the Rent Increase Calculator.

Should I use ROI alone when deciding to buy or hold?

ROI is one lens. I also check monthly durability in the Cash Flow Calculator and move-out exposure in the Security Deposit Return Checker.

Where can I learn more about expense assumptions?

For fee assumptions, review property management fees. For vacancy prep and marketing context, see before listing a rental and showing your rental property.

Want to dive deeper into your investment analysis?

Use our other calculators to analyze cap rates, cash flow, and more.