Property Investment Calculator

Model mortgage, renovation, expenses & rental income — with clean charts and detailed breakdowns.

Currency

Local factor ×1.00

Property basics

Property name

Property location

Property description

Property price

Purchase type

Down payment (%)

Mortgage amount auto

Years of mortgage

Interest rate (%)

Monthly mortgage payment

Renovation

Does the property need a renovation? No Yes

Operating expenses

Rental strategy

Fixed expenses (HOA, fees, etc.)

Utilities & bills

Insurance (yearly / 12)

Other monthly expenses (other)

Taxes (monthly equivalent)

Monthly expense breakdown

Total monthly expenses

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If renovation is selected, monthly costs include renovation outlays for the first N months (either lump-sum in month 1 or evenly split).

Income & results

Monthly rent price

Get AI estimate

Use my estimates Use AI estimates

Monthly income

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Monthly expenses

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Balance

–

Cash-on-cash (annual)

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Long-term projections

Lump renovation cost in 1 month Include 5% vacancy Index rent 2%/y Use local price growth

How projections are calculated

Property value: V(t) = V₀ × (1 + g)^t, where g is the country appreciation rate (or 0% if “Use local price growth” is off).
Mortgage balance: amortized monthly using your rate & term; each year we advance 12 payments and chart the remaining principal.
Equity: Equity(t) = Property value(t) − Mortgage balance(t).
Annual net income (NI): starts from your current monthly net, then options apply:
• Vacancy ⇒ multiply by 0.95 if on.
• Indexation ⇒ increase rent by 2%/year if on.
Annual NI = adjusted monthly net × 12.
Cash-on-cash %: CoC(t) = Annual NI(t) ÷ Cash invested, with Cash invested ≈ down payment + est. closing (3%) + selected renovation.

Disclaimer: The “AI” estimates here are heuristic approximations for planning. They do not fetch live market data. Always validate with local contractors, lenders and agents.