Real Estate Calculator
Estimate net annual cash flow, cap rate and cash-on-cash return for a rental property.
Runs 100% in your browser — nothing is uploaded.
Tax, insurance, maintenance, vacancy, management.
Result
Formula
Cap rate = NOI ÷ price · Cash-on-cash = cash flow ÷ down payment.
About this calculator
The UTIQO Real Estate Calculator helps users estimate the affordability of a home purchase by determining the maximum home price they can afford based on their income, existing debts, down payment, mortgage rate, and other housing costs. It applies common lender guidelines to provide a planning estimate.
How to use
- 1
Enter the property's purchase price, down payment percentage, and monthly rent.
- 2
Input monthly expenses (tax, insurance, maintenance, vacancy, management) and mortgage details (rate and term).
- 3
Review the results: annual net cash flow, monthly mortgage, cap rate, and cash-on-cash return.
Frequently asked questions
What is the 28/36 rule?
The 28/36 rule is a common guideline used by lenders: your total housing payment (principal, interest, taxes, insurance) should not exceed 28% of your gross monthly income, and your total monthly debt payments (including housing) should not exceed 36% of your gross monthly income.
Why is my affordable price lower than I expected?
The calculator uses conservative guidelines. High debts, high property taxes, or high insurance can reduce the amount you can borrow. Also, a higher interest rate or shorter term increases monthly payments, lowering the affordable price.
Does this calculator include PMI?
No, PMI is not included. If your down payment is less than 20%, you may need to pay private mortgage insurance, which would increase your monthly payment and reduce the price you can afford.
Please note: Results are estimates for general information only and are not professional or medical/financial advice.