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Investment Property ROI Calculator

Estimate income, costs, cash flow, cap rate, and cash-on-cash return — or compare two properties side by side.

Total price you are paying for the property.
Cash you put in yourself. The rest is the mortgage.
Lawyer, land transfer tax, appraisal, inspection, etc.
Your yearly mortgage interest rate.
How long your mortgage is spread out over.
Total rent paid by your tenant(s) each month.
Parking, locker, laundry, storage, pet fees, etc.
Percent of the year you expect the unit to be empty (no tenant).
Property tax, insurance, condo fees, utilities you pay, repairs, management, etc.
How long you plan to keep this property before selling.

Enter details for each property to compare income, costs, and cash flow.

Property A
Total price you are paying for the property.
Cash you put in yourself. The rest is the mortgage.
Lawyer, land transfer tax, appraisal, inspection, etc.
Your yearly mortgage interest rate.
How long your mortgage is spread out over.
Total rent paid by your tenant(s) each month.
Parking, locker, laundry, storage, pet fees, etc.
Percent of the year you expect the unit to be empty (no tenant).
Property tax, insurance, condo fees, utilities you pay, repairs, management, etc.
Property B
Total price you are paying for the property.
Cash you put in yourself. The rest is the mortgage.
Lawyer, land transfer tax, appraisal, inspection, etc.
Your yearly mortgage interest rate.
How long your mortgage is spread out over.
Total rent paid by your tenant(s) each month.
Parking, locker, laundry, storage, pet fees, etc.
Percent of the year you expect the unit to be empty (no tenant).
Property tax, insurance, condo fees, utilities you pay, repairs, management, etc.

This calculator is for general information only and does not replace advice from a licensed mortgage or financial professional. Actual results will vary based on your complete situation, interest rate, lender, and property details.

HOW TO USE THIS CALCULATOR


Use this investment property Return on Investment (ROI) calculator to quickly see if a rental makes financial sense before you buy. Follow the steps below:


  1. Start by entering the purchase price, your down payment, and closing costs (lawyer, land transfer tax, appraisal, etc.). To determine closing costs, use the Closing Costs and Land Transfer Tax Calculator.
  2. Fill in the monthly rent, any other income (parking, locker, laundry), and your monthly operating expenses like property taxes, insurance, condo fees, utilities you pay, repairs, and management.
  3. Add a vacancy allowance (for example 5%) to account for months with no tenant.
  4. To crunch numbers for different properties or mortgage terms, choose the "compare two properties" tab and follow steps 1-3 for both scenarios


The calculator will show your monthly income, monthly costs, net cash flow, cap rate, and cash-on-cash return so you can quickly compare rental properties and understand if your investment is likely to be positive or negative cash flow.


The difference between Cap Rate and Cash-on-Cash Return is explained very well in our post titled Cap Rate vs. Cash-on-Cash Return.


This tool is designed for both new and experienced real estate investors who want a simple way to analyze rental properties in Canada.


If you have any questions or would like to speak to a professional, contact us or email us directly at info@myrealestatecalculator.ca.

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