Rental Yield Calculator — Three different yield metrics tell you different things about a rental property. Gross yield is the simplest: annual rent divided by purchase price, ignoring all costs. Useful for quick screening. Net yield (a.k.a. cap rate, capitalisation rate) subtracts operating expenses but not financing: (annual rent - expenses) / price. The standard metric for comparing different properties in the same market. Cash-on-cash return accounts for financing: (annual rent - expenses - mortgage) / cash invested. The metric that tells you what you are actually earning on the cash you put in.
All math runs locally. No property data leaves your browser.
Was Rental Yield Calculator useful?
What is rental yield calculator?
Three different yield metrics tell you different things about a rental property. Gross yield is the simplest: annual rent divided by purchase price, ignoring all costs. Useful for quick screening. Net yield (a.k.a. cap rate, capitalisation rate) subtracts operating expenses but not financing: (annual rent - expenses) / price. The standard metric for comparing different properties in the same market. Cash-on-cash return accounts for financing: (annual rent - expenses - mortgage) / cash invested. The metric that tells you what you are actually earning on the cash you put in.
The tool computes all three plus monthly cash flow and an estimate of how long it takes to recoup your cash investment at the current return rate.
How to use it
-
Enter the purchase price
Total cost of the property, not just your down payment.
-
Enter expected monthly rent
What you can realistically charge. Look at comparable units in the same area.
-
Enter annual expenses
Property tax, insurance, maintenance, management fees, vacancy reserve (typical: 5-10% of rent).
-
Enter your cash invested and mortgage
Cash invested is your down payment + closing costs. Mortgage is the annual P&I payment (use the loan-amortization-calculator to find this).
Examples
$350k property, $2,500/mo rent, $5k expenses, $80k down, $18k/yr mortgage
A typical single-family rental scenario.
Result: Gross: 8.57% · Net (cap rate): 7.14% · Cash-on-cash: 6.75% · Monthly cash flow: $250 · Recoup: ~14.8 years
$200k condo, $1,800/mo rent, $4k expenses, $40k down, $11k/yr mortgage
A higher-leverage scenario.
Result: Gross: 10.80% · Net: 8.40% · Cash-on-cash: 7.20% · Monthly cash flow: $483 · Recoup: ~13.9 years
Frequently asked questions
Related guides
Rent vs Buy: The Real Numbers Behind the Headlines
Rent-vs-buy is decided by 6 numbers: rent, price, mortgage rate, holding period, opportunity cost, and rent inflation. The math, breakeven, and a free calculator.
What Is Rental Yield and How to Calculate It Before You Buy
Rental yield is the annual rent as a percentage of the property price. Here is gross vs net yield, the cash-on-cash return, and a free calculator that does the math.
Related tools
Mortgage Calculator
Estimate monthly mortgage payments, including down payment, property tax, and insurance.
Loan Amortization Calculator
Generate a full month-by-month amortization schedule for any loan. See principal vs interest, total cost, and the full payment table.
Rent vs Buy Calculator
Compare the total cost of renting vs buying a home over a time horizon. Accounts for mortgage, taxes, insurance, maintenance, appreciation, and opportunity cost of the down payment.
Compound Interest Calculator
Project savings growth with compound interest and monthly contributions, year by year.
Inflation Calculator
Calculate how inflation erodes purchasing power over time. Custom rate or historical U.S. CPI averages from 1990 onward.
Last reviewed: 2026-08-23