Rental Investment Calculator

Report branding (optional)

Agent name

Brokerage

Phone

Your details appear on the printable report. Logo upload can be added later.

Property & financing

Property name

Purchase price ($)

Monthly rental income ($)

Down payment (%)

Interest rate (%)

Amortization (years)

Operating expenses

Recurring annual property costs and reserves.

Vacancy allowance (%)

Property taxes ($/yr)

Insurance ($/yr)

Owner utilities ($/yr)

Condo / common fees ($/yr)

Lawn maintenance ($/year)

Snow removal ($/year)

Other expenses ($/yr)

Management (%) of collected rent

Routine repairs (%) of collected rent

CapEx reserve (%) of collected rentMoney set aside for major future repairs, such as a roof, furnace or windows.

Projection assumptions

Rent growth (%/yr)

Expense inflation (%/yr)

Property appreciation (%/yr)

Estimated selling costs (% of value)

Projection horizon (years)

One-time acquisition costs

These affect cash required and cash-on-cash return, not annual operating income.

Closing costs excluding land transfer tax ($)

Renovations / initial work ($)

Ontario land transfer tax ($, editable estimate) Automatically recalculate when purchase price changes

Investment snapshot

New purchase

Monthly cash flow*—After debt and reserves

Cap rate (NOI)—Before financing

Cash-on-cash return—On cash invested

Debt-service coverage—NOI / mortgage payments

Income & Expenses

Mortgage amount

—

Monthly mortgage payment

—

Cash required to close

—

Annual NOI (before reserves)

—

First-year interest First-year principal

View expense breakdown

*Cash flow subtracts vacancy, management, repairs, CapEx reserves, operating costs and mortgage payments. NOI includes management and routine repairs but excludes the CapEx reserve; cash flow includes it. Income tax and depreciation are not modeled.

Mortgage payoff after 5 years

Principal paid, interest paid and remaining mortgage balance over the first 60 months.

Principal paid—

Interest paid—

Balance after 5 years—

Interest Principal

Assumes the entered interest rate stays constant for five years and regular monthly payments continue. For an existing property, the five years start from today's mortgage balance. Actual Canadian mortgage results can differ slightly due to semi-annual compounding and lender payment conventions.

Compare down payments

These are illustrations at the entered rate and amortization. Lending terms, eligibility and insurance costs may differ for investment properties.

Mortgage balance & equity projection

Year	Value	Loan balance	Equity	Annual cash flow

Illustrative projections hold the mortgage interest rate constant even after renewal; they are not a forecast. Property value growth, rent increases and expense inflation are assumptions. Equity is before selling costs and taxes.

Five-year investment performance

Cumulative cash flow—

Principal repaid—

Estimated appreciation—

Five-year total gain*—

*Gain = cumulative cash flow + principal repaid + appreciation. This is not a tax-adjusted return and excludes initial acquisition costs from the gain figure. Existing-property original cash invested is historical context and is not the denominator of the current-equity return.

Important investment considerations

Ontario land transfer tax is estimated using the standard provincial brackets for a non-first-time buyer; additional rules, exemptions or charges may apply. For multi-unit/commercial purchases, confirm financing terms, applicable taxes (including HST where relevant), and closing costs with your professionals. The existing-property return uses current gross equity (value minus mortgage), not net proceeds after taxes or selling costs. Fixed-rate mortgage payments use Canadian semi-annual compounding. Variable-rate mortgage terms may differ. This is a decision aid, not a lender quote or tax assessment.

Important disclaimer: This calculator provides estimates for general informational purposes only and does not constitute financial, investment, mortgage, tax or legal advice. Results depend on your inputs and assumptions and may differ from actual costs, financing terms and investment performance. Verify all figures independently and consult qualified professionals before making a purchase or investment decision. No guarantee is made regarding accuracy or completeness.

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