Free Investment Calculators
Professional-grade tools to analyze real estate investments. Calculate returns, compare properties, and make data-driven decisions.
Cap Rate Calculator
Calculate the capitalization rate for any investment property. Understand potential returns based on NOI and property value.
- Net Operating Income
- Expense Tracking
- Investment Comparison
Cash-on-Cash Return Calculator
Measure your annual return on the actual cash invested. Perfect for evaluating leveraged investments.
- Cash Flow Analysis
- Financing Impact
- ROI Measurement
Mortgage Payment Calculator
Calculate monthly mortgage payments including principal, interest, taxes, and insurance. See the full amortization schedule.
- PITI Breakdown
- PMI Calculator
- Amortization Schedule
Understanding Investment Metrics
Cap Rate vs Cash-on-Cash Return
Cap Rate measures property value based on income potential, ignoring financing. It's useful for comparing properties regardless of how they're financed. Cash-on-Cash Return measures the actual return on your invested capital, accounting for leverage. Use cap rate to compare properties; use cash-on-cash to evaluate your investment returns.
What's a Good Cap Rate?
Cap rates vary by market and property type. In high-demand urban areas, cap rates of 4-6% are common. Secondary markets may offer 6-8%, while higher-risk areas might see 8-12%. A lower cap rate often indicates lower risk and higher appreciation potential, while higher cap rates may signal more cash flow but higher risk or less growth.
The Power of Leverage
Mortgage financing allows you to control a larger asset with less capital. While this amplifies returns when property values rise, it also increases risk. Use our calculators together to understand both the property's fundamentals (cap rate) and your actual investment performance (cash-on-cash return).
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