🏘️ Real Estate Calculator

Real Estate Return Calculator

Calculate the complete return on a real estate investment — appreciation, cash flow, equity build-up, tax benefits, and total IRR. The comprehensive real estate investment tool.

Property & Financing

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years
% of sale price
Total Return on Investment
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Annualized Return
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Cash-on-Cash ROI
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Appreciation Gain
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Net Cash Flow (total)
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Exit Value
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Total Investment (down + closing)—
Sale Price (at exit)—
Selling Costs—
Remaining Mortgage at Exit—
Equity at Exit—
Total Net Cash Flow—
Total Profit—
Total ROI—
Annualized ROI (CAGR)—

FAQ

What is cash-on-cash return?
Cash-on-Cash = Annual Cash Flow / Total Cash Invested. It shows what you earn on the money you actually put in (down payment + closing costs), after paying the mortgage. 5-10% is considered good.
What drives real estate returns?
Four sources: (1) Cash flow (rent − expenses − mortgage), (2) Appreciation (property value growth), (3) Equity buildup (mortgage paydown), (4) Tax benefits (depreciation, interest deduction). Combined they create strong levered returns.
How does leverage amplify real estate returns?
With 25% down ($125K on a $500K property), a 4% appreciation gives you $20,000 gain on $125K invested = 16% return on your cash, not just 4%. This leverage effect is unique to real estate.
What are key risks in real estate investing?
Vacancy (no rent income), unexpected repairs, rising interest rates, illiquidity (cannot sell quickly), bad tenants, and overleveraging. Always model worst-case scenarios and maintain adequate cash reserves.