Rental Property ROI Calculator
Enter your property details and see cap rate, cash-on-cash return, and monthly cash flow, instantly.
Property Details
Income
Monthly Expenses
Your Results
Monthly Cash Flow
$-710
after mortgage & expenses
Annual Cash Flow
$-8,517
net per year
Cap Rate
3.21%
net operating income / price
Cash-on-Cash Return
-11.96%
annual return on down payment
Gross Yield
5.73%
annual rent / purchase price
Annual NOI
$11,442
before mortgage
Monthly Breakdown
* Estimates only. Consult a financial advisor before making investment decisions. Does not include closing costs, capital gains, or depreciation.
Want a professional rent estimate?
Our team will tell you what your property actually rents for in today's market.
Get Free Rent Estimate →Understanding Your Results
Cap Rate
Net Operating Income ÷ Property Value. Calgary residential properties typically achieve 4–6% cap rates. Above 5% is considered strong for residential.
Cash-on-Cash Return
Annual pre-tax cash flow ÷ Total cash invested. This is the most relevant metric if you used a mortgage, it measures your actual return on the cash you put in.
Net Operating Income (NOI)
Gross rental income minus all operating expenses (property tax, insurance, maintenance, management). Excludes mortgage payments.
Cash Flow
What remains after all expenses including mortgage payments. Even slightly negative cash flow can be acceptable if appreciation and equity paydown make the total return strong.
Calgary ROI Benchmarks (2026)
In Calgary's current market, a well-purchased residential rental property in an established neighbourhood typically achieves a 4.5–5.5% cap rate. Inner-city condos (Beltline, Mission, Bridgeland) tend toward 4–5% due to higher purchase prices, while newer suburban homes in NE Calgary (Cornerstone, Livingston) or SE (Legacy, Seton) can achieve 5–6% due to lower price-per-square-foot relative to rent.
Property management fees typically run 8–12% of monthly rent and are fully tax-deductible. Professional management usually improves NOI by reducing vacancy and maintenance costs, often making the management fee net-neutral or better for your bottom line.