Huurwoningcalculator
Estimate cash flow, cap rate, NOI, and gross yield for your rental property investment.
Uw gegevens
Enter property price, monthly rent, and expenses, then click Calculate to see cap rate, NOI, cash flow, and breakdown chart.
Annual Cash Flow
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Maandelijks $0
Cap Rate
0%
Gross Yield
0%
NOI
$0
Effective Income
$0
Income vs Expenses
Volledige gebruikershandleiding
What is This Calculator?
The Rental Property Calculator estimates key investment metrics for a rental property: Net Operating Income (NOI), cap rate, gross yield, and cash flow after operating expenses and optional mortgage payments. It helps you compare properties, screen deals, and understand how much income a rental can generate before and after financing.
All results are based on the numbers you enter. Use realistic rent, expenses, and vacancy so the metrics reflect true potential. Operating expenses typically include property tax, insurance, maintenance, utilities, property management, and repairs—but not the mortgage.
Key Metrics
Cap Rate (Capitalization Rate)
NOI ÷ Property Price. Measures the property’s return as if you paid cash (no loan). Higher cap rate usually means higher yield but often higher risk or lower appreciation. Use it to compare similar properties in the same market.
NOI (Net Operating Income)
Effective rental income minus all operating expenses. It does not include mortgage payments. Lenders and investors use NOI to assess whether the property can support debt and generate income.
Gross Yield
Gross annual rent ÷ Property Price. A simple ratio before vacancy and expenses. Useful for a quick first look; cap rate and cash flow are better for real decisions.
Cash Flow
NOI minus annual mortgage payments. This is the cash you keep each year after paying the loan. Positive cash flow improves sustainability; negative cash flow may be acceptable only if you expect strong appreciation or tax benefits.
Hoe deze rekenmachine te gebruiken
- Enter the property purchase price or current market value.
- Enter expected monthly rental income (market rent).
- Enter total monthly operating expenses (tax, insurance, maintenance, utilities, management, etc.).
- Set a vacancy rate (e.g. 5–10%) to account for empty periods.
- If you have or plan a mortgage, enter the monthly payment to see cash flow after debt.
- Click Calculate to see cap rate, NOI, cash flow, and the Income vs Expenses chart.
Inzicht in uw resultaten
Annual Cash Flow
The amount of cash left each year after all income, operating expenses, and mortgage payments. Shown as both annual and monthly. This is what you can use for savings, reinvestment, or living expenses.
Effective Income
Gross annual rent reduced by your vacancy rate. It represents the income you can realistically expect after accounting for empty months.
Cap Rate & Gross Yield
Cap rate uses NOI (after expenses); gross yield uses gross rent (before expenses). Cap rate is the standard for comparing rental investments. Gross yield is a quick screening tool.
Understanding the Chart
The Income vs Expenses bar chart shows four annual amounts: Effective Income (rent after vacancy), Operating Expenses (shown as a negative bar), Mortgage (debt service, also negative if entered), and Net Cash Flow. Positive bars are income or profit; negative bars are costs. Net Cash Flow is what remains after all outflows.
Formules
Effective Gross Income
Gross Annual Rent × (1 − Vacancy Rate ÷ 100)
NOI
Effective Gross Income − Annual Operating Expenses
Cap Rate
NOI ÷ Property Price × 100
Annual Cash Flow
NOI − (Monthly Mortgage × 12)
Belangrijke opmerkingen
- Effective income is reduced by the vacancy rate. Use realistic expense and vacancy assumptions (e.g. 5–10% vacancy, full operating costs).
- This calculator is for estimation and education only. It does not include taxes, closing costs, or future rent changes. Consult a financial or real estate professional for investment decisions.
- Cap rate and cash flow vary by market and property type. Compare with local comps and speak to local investors or agents for context.