Investment property calculator
Would this rental pay its way?
Estimate cash flow, cap rate, cash-on-cash return and debt coverage for a long-term rental, using Canadian mortgage rules. All amounts are Canadian dollars.
How this calculator works
The mortgage payment uses semi-annual compounding, as on Canadian fixed-rate mortgages, held constant for the whole amortization. Net operating income is effective rent (after the vacancy allowance) minus operating expenses; cash flow is net operating income minus mortgage payments and the capital reserve, before income tax.
Costs you leave blank are not counted and the results are marked provisional. Mortgage default insurance, closing costs, rent or expense growth, renewals, financing approval and taxes are not included.
Your figures stay on this page. No account or email is needed, nothing you type is sent or saved, and refreshing clears them.