Run the Numbers with Confidence
Use this free real estate calculator to quickly evaluate a potential rental property and see if it’s worth the investment.
Whether you’re analyzing your first deal or refining your buy box, this tool helps you answer the most important question:
“Is this property a good investment?”
Real Estate Underwriting Calculator
Stabilization
Operation
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How It Works
You enter your purchase and operating assumptions. The calculator then runs the numbers behind the scenes to project:
- Cash flow from rent minus expenses
- Property value growth via appreciation
- Linear equity buildup from loan paydown
- Return on your invested capital
This helps you make smart, fast decisions—without needing a spreadsheet.
What are Good Numbers?
Cap Rate
The assumes you pay for the property and stabilize rents using all cash. Ideally, you want this number to be higher than your interest rate if you’re using a loan. Otherwise, your leverage lowers your return (yikes).
Cash-On-Cash Return
Think of this as your dividend yield. It’s telling you how much cash the property will throw off each year compared to your invested capital. I like to see values of 4% or greater, because it tells me the property has enough cashflow to weather a few storms.
Total Return
This is an estimate of your long-term annual return. It accounts for cash generates, appreciation, and equity capture. I like to see this number greater than 15%. We know the S&P 500 generates annualized returns of 10%. So think of that extra 5%+ as a risk premium for having to handle tenants.
What You’ll Learn
- Whether the property cash flows
- How appreciation and loan paydown boost your returns
- The total ROI on your invested capital
- Whether the deal meets your investment goals
Who Should Use This
This tool is perfect for:
- First-time investors analyzing their first deal
- Real estate buyers screening multiple properties
- Anyone building long-term wealth through rentals
Disclaimer
This calculator is for educational purposes only and should not be considered financial advice. Results are based on assumptions that may not reflect actual market performance or your unique situation. Always do your own due diligence.