NexTool
ToolsConvertersBlogAI SuitePricing
NexTool
ToolsConvertersBlogAI SuitePricing
Home/Tools/Calculators/Rental Yield Calculator

Rental Yield Calculator

Calculate gross yield, net yield, and cash-on-cash return for rental properties. Factor in all expenses including mortgage, taxes, insurance, and management fees. Compare cash purchase vs financed returns.

0.0(0)
ShareY
Save your results
Try Retirement Calculator Compare Loan Rates See Tax Brackets

Rate this tool · 0.0 avg · 0 ratings

Advertisement
Search Investment Properties

Find rental properties and investment opportunities.

Browse Listings
Try Accounting Software

Track rental income, expenses, and tax deductions.

Start Free Trial

Sponsored · We may earn a commission at no cost to you

How to Use Rental Yield Calculator

  1. 1Enter the property price and monthly rent.
  2. 2Add annual expenses and mortgage details.
  3. 3View gross yield, net yield, and cash-on-cash return.
  4. 4Compare cash purchase vs financed scenarios.

Frequently Asked Questions

Gross yield = Annual Rent / Property Price. Net yield subtracts all operating expenses (taxes, insurance, maintenance, vacancy, management). Net yield gives a more accurate picture of actual returns.

Cash-on-cash return measures the annual pre-tax cash flow relative to the total cash invested (down payment + closing costs). It's especially useful for financed properties where leverage amplifies returns.

Include property tax, insurance, maintenance (budget 1-2% of value annually), property management (8-10%), vacancy allowance (5-8%), HOA fees, and any utilities you cover as landlord.

Using the Rental Yield Calculator is simple: visit the tool page, enter your data or input into the provided fields, and get instant results. No downloads, installations, or sign-ups are required. The tool runs directly in your web browser for maximum convenience.

Yes, the Rental Yield Calculator is 100% free to use with no limitations. There is no registration required, no daily usage caps, and no hidden fees. You can use it as many times as you need.

The Rental Yield Calculator uses industry-standard formulas and algorithms to deliver reliable results. While the tool is designed for accuracy, results should be used as estimates and guidance. For critical decisions, always consult a qualified professional.

Yes, after running your calculation you can copy the results to your clipboard or take a screenshot. The Rental Yield Calculator displays a detailed breakdown so you can easily record or share your numbers. No account is required to use or save results.

Get weekly tips for Rental Yield Calculator & more

No spam. Unsubscribe anytime.

About Rental Yield Calculator

Calculate gross yield, net yield, and cash-on-cash return for rental properties. Factor in all expenses including mortgage, taxes, insurance, and management fees. Compare cash purchase vs financed returns.

NexTool's Rental Yield Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.

Need deeper analysis? Try AI-powered document review

Analyze tax docs, contracts & statements with Pro — $9/mo

Learn more

Related Tools

BMI Calculator
Calculate your Body Mass Index with visual BMI scale
Loan Calculator
Calculate monthly payments, interest, and amortization schedules
Compound Interest Calculator
Calculate compound interest with contributions and visual growth chart
Tip Calculator
Calculate tips, split bills, and round totals with tipping guide
Mortgage Calculator
Calculate mortgage payments with taxes, insurance, PMI, and amortization
Calorie Calculator
Calculate daily calories (TDEE/BMR) with macro breakdowns for your goals

Learn More

Finance · 10 min readReal Estate Investing for Beginners in 2026: Getting StartedBegin your real estate investing journey in 2026. Learn about rental properties, REITs, house hacking, financing options, and how to analyze your first investment property.

Stay Updated

Get notified about new tools, features, and exclusive deals. No spam, ever.

Free tool data export​‌‍​‌​‍‌
NexTool

Free online tools for developers, writers, and creators. Powered by AI.

Tools

  • Text Tools
  • Developer Tools
  • Calculators
  • Converters
  • Generators
  • Utilities
  • AI Tools

Resources

  • Blog
  • Unit Conversions
  • All Tools

Company

  • About
  • Pricing
  • Contact

Legal

  • Privacy Policy
  • Terms of Service
  • Cookie Policy

© 2026 NexTool. All rights reserved.

Fine Print Decoder™ and all AI analysis tools are proprietary technology of NexTool.

Made with care for the internet

Annual Expenses
Mortgage Details
$60,000 down
Cash-on-Cash Return
-7.88%
Poor
Gross Yield
8.00%
Net Yield
4.49%
Annual Cash Flow
-$4,728
Monthly Cash Flow
-$393.96
Expense Ratio
43.85%
Gross Rent Multiplier
12.50x
Break-Even Occupancy
114.70%
Total Return (w/ equity)
-3.41%
Expense Breakdown
Expenses
$9,324
Property Tax$3,600/yr
Insurance$1,500/yr
Maintenance$2,400/yr
Management$1,824/yr
Vacancy Loss$1,200/yr
Monthly Cash Flow
Gross Monthly Rent$2,000.00
Less: Vacancy (5%)−$100.00
Property Tax−$300.00
Insurance−$125.00
Maintenance−$200.00
Management (8%)−$152.00
Mortgage Payment−$1,516.96
Net Monthly Cash Flow-$393.96
Mortgage vs. Cash Purchase Comparison
Metric
With Mortgage
Cash Purchase
Cash Required$60,000$300,000
Monthly Mortgage Payment$1,516.96$0.00
Monthly Cash Flow-$393.96+$1,123.00
Annual Cash Flow-$4,728+$13,476
Cash-on-Cash Return-7.88%4.49%
Total Return (incl. equity)-3.41%4.49%
Cash-on-Cash Return Comparison
With Mortgage-7.88%
Cash Purchase+4.49%
Using a mortgage typically amplifies cash-on-cash returns through leverage but reduces monthly cash flow due to debt service. Cash purchases provide greater monthly cash flow but require significantly more capital upfront.
Year-by-Year Projection (10 years)
Equity Growth Over Time
Year 1
Equity: $62,683
Cash Flow: -$4,728
Year 2
Equity: $65,545
Cash Flow: -$4,728
Year 3
Equity: $68,599
Cash Flow: -$4,728
Year 4
Equity: $71,857
Cash Flow: -$4,728
Year 5
Equity: $75,334
Cash Flow: -$4,728
Year 6
Equity: $79,043
Cash Flow: -$4,728
Year 7
Equity: $83,001
Cash Flow: -$4,728
Year 8
Equity: $87,224
Cash Flow: -$4,728
Year 9
Equity: $91,730
Cash Flow: -$4,728
Year 10
Equity: $96,537
Cash Flow: -$4,728
Y1
Y2
Y3
Y4
Y5
Y6
Y7
Y8
Y9
Y10
Rent Sensitivity Analysis
Monthly RentGross YieldNet YieldMonthly Cash FlowCash-on-Cash
$1,600.00(-20%)6.40%3.09%-$743.56-14.87%
$1,800.00(-10%)7.20%3.79%-$568.76-11.38%
$1,900.00(-5%)7.60%4.14%-$481.36-9.63%
$2,000.00Current8.00%4.49%-$393.96-7.88%
$2,100.00(+5%)8.40%4.84%-$306.56-6.13%
$2,200.00(+10%)8.80%5.19%-$219.16-4.38%
$2,400.00(+20%)9.60%5.89%-$44.36-0.89%
Shows how changes in monthly rent affect your yields and cash flow, with all other variables held constant.
How Rental Yield is Calculated
Gross Rental Yield
Gross Yield = (Annual Rental Income / Purchase Price) x 100%
The simplest yield metric. Does not account for expenses or vacancy.
Net Rental Yield
Net Yield = (Annual Rent - Vacancy - Expenses) / Purchase Price x 100%
A more accurate measure that accounts for operating expenses and vacancy loss. Does not include mortgage payments.
Cash-on-Cash Return
Cash-on-Cash = (NOI - Annual Mortgage Payments) / Total Cash Invested x 100%
Measures the return on your actual cash investment (down payment for leveraged purchases). Accounts for mortgage debt service.
Break-Even Occupancy
Break-Even = (Operating Expenses + Debt Service) / Gross Rent x 100%
The minimum occupancy rate needed to cover all expenses. A lower percentage indicates a safer investment with more margin for vacancy.
Disclaimer: This calculator provides estimates for informational purposes only. Actual rental yields and cash flows may vary based on local market conditions, property-specific factors, tenant turnover, unexpected repairs, and changes in property values. Mortgage calculations are approximations and do not include closing costs, points, or PMI. Tax implications including depreciation, deductions, and capital gains are not included. Consult with a qualified real estate professional, tax advisor, or financial planner before making investment decisions.