Property ROI Calculator (Advanced)
Advanced investment property return analysis — cashflow, capital gain, cash-on-cash, total ROI.
About this calculator
The Property ROI Calculator (Advanced) on NumberCals is a free, mobile-friendly tool for anyone needing to advanced investment property return analysis — cashflow, capital gain, cash-on-cash, total roi. Enter your values in the form below and the result is computed instantly — no sign-up, no installation, no waiting.
Formula used
Total ROI = (Net Cashflow + Capital Gain) / Cash Invested × 100
What you'll need
- Property Price (e.g. 750000)
- Deposit (e.g. 150000)
- Mortgage Rate (% p.a.) (e.g. 6.25)
- Loan Term (years) (e.g. 30)
- Weekly Rent (e.g. 650)
- Annual Expenses (excl. mortgage) (e.g. 8000)
- Buying Costs (% of price) (e.g. 5)
- Expected Capital Growth (% p.a.) (e.g. 4)
- Holding Period (years) (e.g. 10)
What you'll get
- Annual Rent
- Annual Mortgage Payment
- Annual Cashflow (Year 1)
- Total Cash Invested (Deposit + Buying Costs)
- Cash-on-Cash Return (Year 1)
- Capital Gain Over Period
- Total Return (Cashflow + Capital Gain)
- Total ROI on Cash Invested (%)
- Annualised ROI (%)
Frequently Asked Questions
What is cash-on-cash return? +
Annual pre-tax cashflow divided by the actual cash you put in (deposit + buying costs). It ignores capital growth and measures only the income return on your real money.
Why is the answer often negative? +
Many investment properties are 'negatively geared' — annual rent doesn't cover mortgage + costs. Returns rely on capital growth. This calculator makes that trade-off visible.