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🏢 Rental Yield Calculator

Calculate the profitability of your rental property investment. Analyze gross yield, net yield, cash flow, and ROI to make informed investment decisions.

🏠 Property Details

Total acquisition cost
Expected monthly rental income
Your initial investment
Expected occupancy per year

💰 Financing (Optional)

Mortgage amount
Annual interest rate
Mortgage duration

💸 Annual Expenses

Annual property taxes
Annual insurance premium
Annual upkeep costs
Annual association fees
Management fees if applicable
Utilities, etc.

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About Rental Yield Calculator

This rental yield calculator helps real estate investors analyze the profitability of rental properties. Calculate multiple metrics including gross yield, net yield, cash flow, ROI, and cap rate to make informed investment decisions.

Features

  • Gross Rental Yield: Simple calculation of annual rent divided by purchase price.
  • Net Rental Yield: Actual return after deducting all operating expenses.
  • Cash Flow Analysis: See your monthly and annual profit after all expenses and mortgage payments.
  • Cash-on-Cash ROI: Return on your actual cash investment (down payment).
  • Cap Rate: Capitalization rate showing NOI as percentage of purchase price.
  • Occupancy Rate: Factor in vacancy to get realistic income projections.
  • Comprehensive Expenses: Track all costs including taxes, insurance, maintenance, HOA, and management fees.
  • Mortgage Integration: Calculate returns with financing included.

Use Cases

  • Investment Evaluation: Analyze potential rental properties before purchase.
  • Portfolio Management: Compare returns across multiple properties.
  • Financing Decisions: See how leverage affects your returns.
  • Rent Optimization: Determine optimal rent to maximize profitability.
  • Expense Planning: Understand true costs of property ownership.
  • Investment Comparison: Compare rental property returns with other investments.

How to Use

  • Property Details: Enter purchase price, expected monthly rent, down payment, and occupancy rate.
  • Financing: Add mortgage details if financing the purchase (optional for cash buyers).
  • Annual Expenses: List all operating costs - property tax, insurance, maintenance, HOA, management fees.
  • Calculate: Get instant analysis of yields, cash flow, and ROI metrics.
  • Optimize: Adjust inputs to see how changes affect profitability.

Privacy & Security

  • 100% Client-Side: All calculations happen in your browser - no data is sent to any server.
  • No Data Storage: Your investment information is never saved or tracked.
  • Instant Results: Fast calculations without any network requests.
  • Private & Secure: Your investment analysis remains completely confidential.

💡 Understanding the Metrics

Gross Yield: (Annual Rent / Purchase Price) × 100. Quick metric but doesn't account for expenses. Good for initial screening.

Net Yield: ((Annual Rent - Expenses) / Purchase Price) × 100. More realistic as it includes operating costs.

Cash Flow: Income minus all expenses including mortgage. Positive cash flow means the property pays for itself.

Cash-on-Cash ROI: (Annual Cash Flow / Down Payment) × 100. Shows return on your actual investment.

Cap Rate: (NOI / Purchase Price) × 100. Industry standard for comparing properties. Independent of financing.

Good Yields: Gross yield 8-12% is typical. Net yield 4-8% is healthy. Cap rate 5-10% depending on market. Cash-on-cash ROI 8-12% is excellent.

Note: These calculations don't include appreciation, tax benefits, or principal paydown. Always consult with real estate and financial professionals for complete investment analysis.