Will this rental pay off?
This rental property calculator works out cash flow, cap rate and cash-on-cash return, and shows how equity builds over the years you hold it.
What this rental property calculator tells you.
A rental can build wealth, or it can cost you money every month. Run the numbers on cash flow and return before you buy.
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Monthly cash flow
Rent minus the mortgage, strata, tax, insurance, repairs and vacancy.
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Cap rate and return
Compare properties on the same basis, with or without financing.
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Equity over time
See how your equity could grow year by year, and what you might walk away with.
How to use the rental property calculator.
It only takes a couple of minutes. Every result updates while you type.
Want me to check your numbers? Book a free call
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Enter the price
Most lenders need at least 20% down on a rental property.
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Add the expected rent
Use rents for similar homes nearby. I can also help you check them.
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Add the costs
Strata, property tax, insurance and any property management fees.
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Review the return
Check cash flow, cap rate and equity over the years you plan to hold.
Where the rent goes each month
Year one
Your equity over time
Year by year
Where these numbers come from
Every rule in this calculator is taken from these official pages.
- Property transfer taxTax rates of 1%, 2%, 3% and the extra 2% over $3 million on residential property.
Rental property calculator: good questions to ask.
Short, plain answers. Still have questions? Ask me anything on a free call.
Still have a question? Book a free call 778 900 1010
What is a good cap rate in Metro Vancouver?
Cap rates here are often between 2.5% and 4%, lower than in many other cities. Investors usually rely more on growth in value and rent over time than on cash flow in the first years.
How much do I need to put down on a rental property?
Usually at least 20% for a property you will not live in. Some programs allow less for owner-occupied homes with a rental suite.
Are there extra taxes on rental properties in BC?
Rental income is taxable, and the BC speculation and vacancy tax can apply if a property sits empty in many areas. Get tax advice for your situation.