Know exactly what your rental is really earning — in about thirty seconds.
Enter the purchase price, the deposit, your rate and the monthly rent. The calculator gives you back the four numbers that actually matter:
- Gross yield — the flattering number every listing quotes
- Net yield — the honest one, after voids, management and maintenance
- Monthly cash flow — what actually reaches your account after the mortgage
- Cash-on-cash return — the return on the money you genuinely put in
It also tells you your break-even rent: the monthly figure you need just to stop subsidising the property.
Why it is worth thirty seconds
Take a property bought at 180,000 renting at 1,400 a month. On paper that is a 9.3% gross yield, which looks excellent. Run it through this calculator and the honest figure is 6.8% net, with 196.58 a month genuinely reaching your account.
That gap is the whole game. Most landlords never see it because nobody ever made them do the second calculation.
What you get
One spreadsheet tab. Works in Microsoft Excel and in Google Sheets, which is free. Eleven inputs, eleven outputs, no signup wall between you and the formulas — the calculations are visible and you can check our working.
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When you outgrow it
This calculator handles one property, one snapshot in time. When you want to track rent month by month, log expenses against the right property and category, and walk into tax season with the numbers already done, that is what the Rental Property Tracker is for — seven tabs, up to twenty properties, $27 once.
Related reading: How to Calculate Rental Yield and Rental Property Expenses You Can Claim.
General information for landlords, not financial or tax advice. Default figures for void rate, management fee and maintenance are common rules of thumb — replace them with your own.