--- title: "Rental Property Return Calculator | Numequo" description: "Estimate gross yield, net yield, monthly cash flow and cash-on-cash return. Includes the formula and practical examples." canonical: "https://www.numequo.com/finance/real-estate/rental-property-return-calculator/" locale: "en" --- [Numequo](https://www.numequo.com/) › [Finance](https://www.numequo.com/finance/) › [Real estate](https://www.numequo.com/finance/real-estate/) # Rental Property Return Calculator Combine rent, vacancy, operating expenses, financing and acquisition costs in one rental-property estimate. ## Input data - **Purchase price** - type: number; default: 200000; min: 0.01; max: 1000000000; step: 1000 - **Down payment** - type: number; default: 40000; min: 0; max: 1000000000; step: 1000 - **Monthly rent** - type: number; default: 1100; min: 0; max: 10000000; step: 10 - **Vacancy rate (%)** - type: number; default: 5; min: 0; max: 100; step: 0.1 - **Annual operating expenses** - type: number; default: 3000; min: 0; max: 100000000; step: 100; Excluding mortgage payments - **Loan interest rate (%)** - type: number; default: 3.5; min: 0; max: 100; step: 0.01 - **Loan term (years)** - type: number; default: 20; min: 1; max: 100; step: 1 - **Acquisition costs (%)** - type: number; default: 7; min: 0; max: 100; step: 0.1 - **Currency** - type: choice; default: EUR; options: Euro (€), US dollar ($), Pound sterling (£), Canadian dollar (C$), Swiss franc (CHF) ## How it works Gross yield divides scheduled annual rent by purchase price. Net yield uses rent after vacancy and operating expenses. Cash flow also subtracts mortgage payments, while cash-on-cash return compares annual cash flow with the initial cash invested. ## Quick examples - **€200k property at €1,100/month** - Purchase price: 200000, Down payment: 40000, Monthly rent: 1100, Vacancy rate (%): 5, Annual operating expenses: 3000, Loan interest rate (%): 3.5, Loan term (years): 20, Acquisition costs (%): 7, Currency: EUR - **Cash purchase** - Purchase price: 120000, Down payment: 120000, Monthly rent: 750, Vacancy rate (%): 4, Annual operating expenses: 2200, Loan interest rate (%): 0, Loan term (years): 20, Acquisition costs (%): 6, Currency: EUR - **$350k financed property** - Purchase price: 350000, Down payment: 70000, Monthly rent: 2600, Vacancy rate (%): 7, Annual operating expenses: 6500, Loan interest rate (%): 6, Loan term (years): 30, Acquisition costs (%): 3, Currency: USD ## Understanding your result A positive cash flow means estimated rent covers operating expenses and debt payments under these assumptions. Taxes, major renovations, price changes and financing fees are not included unless entered in annual expenses or acquisition costs. Last verified: 29 September 2026 (2026-09-29) ## Frequently asked questions ### What is the difference between gross and net rental yield? Gross yield uses scheduled rent only. Net yield deducts estimated vacancy and annual operating expenses before comparing income with the total acquisition cost. ### What should annual operating expenses include? Include maintenance, management, insurance, owner-paid utilities, recurring taxes and other costs not recovered from tenants. Do not include mortgage payments. ### What is cash-on-cash return? It divides annual cash flow after operating expenses and debt payments by the down payment plus acquisition costs. ### Does a high rental yield guarantee a good investment? No. Vacancy, repairs, financing risk, taxes, regulation, tenant quality and future resale value can materially change the outcome. ## Related calculators - [Rent or Buy Calculator](https://www.numequo.com/finance/real-estate/rent-or-buy-calculator/) - Compare projected homeowner equity with the renter’s invested capital over time. - [Loan Calculator](https://www.numequo.com/finance/loans/loan-calculator/) - Estimate monthly payments and total loan cost. - [Compound Interest Calculator](https://www.numequo.com/finance/savings-investing/compound-interest-calculator/) - See how savings may grow with monthly compounding. - [VAT Calculator](https://www.numequo.com/finance/taxes-pricing/vat-calculator/) - Add VAT to a net price or extract it from a gross price. - [Debt-to-Income Ratio Calculator](https://www.numequo.com/finance/loans/debt-to-income-ratio-calculator/) - Calculate your household debt-to-income ratio, total monthly debt payments and remaining income after debt. - [Loan Comparison Calculator](https://www.numequo.com/finance/loans/loan-comparison-calculator/) - Compare two fixed-rate loans by monthly payment, fees, insurance and total cost. ## Structured data ```json { "@context": "https://schema.org", "@graph": [ { "@type": "WebPage", "@id": "https://www.numequo.com/finance/real-estate/rental-property-return-calculator/#page", "name": "Rental Property Return Calculator | Numequo", "description": "Estimate gross yield, net yield, monthly cash flow and cash-on-cash return. 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