UtilityBaseReal Estate Investing Calculators
A focused set of calculators for analyzing rental property deals: cap rate and rental yield for unlevered returns, cash-on-cash return for your financed return, plus mortgage, affordability, and ROI tools. Screen a property in minutes — free, private, and running entirely in your browser. These are estimates, not investment advice.
Cap Rate Calculator
Compute capitalization rate from NOI and price — with an expense builder and solve-for-value.
Calculators
Cash-on-Cash Return Calculator
Find the annual return on the actual cash you invested in a rental property.
Calculators
Rental Yield Calculator
Calculate gross and net rental yield from property value, rent, and expenses.
Calculators
Mortgage Calculator
Monthly payment with taxes, insurance, PMI, and a full amortization schedule.
Calculators
Rent Affordability Calculator
Find how much rent you can afford from your income and debts, using the 30% and 28/36 rules.
Calculators
Loan Calculator
Monthly payment, total interest, and payoff schedule — with extra-payment math.
Calculators
ROI Calculator
Return on investment — total, profit, multiple, and the annualized rate that matters.
Calculators
Frequently asked questions
What's the difference between cap rate and cash-on-cash return?
Cap rate is the unlevered return — net operating income divided by price, ignoring any mortgage. Cash-on-cash return measures the return on the actual cash you invested (down payment, closing, rehab) once financing is included, so leverage can push it above the cap rate.
Which metric should I use to screen a deal?
Use several together: cap rate and rental yield to compare properties independent of financing, cash-on-cash to see your leveraged cash return, and the mortgage calculator to model the loan. No single number tells the whole story.
Is this investment advice?
No. These calculators are estimates to help you run the numbers. Real deals involve taxes, vacancy, capital expenses, appreciation, and local factors — consult a qualified professional before investing.