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Quick utility calculators for pay, debt, home, retirement, college, care, taxes, transportation, and family costs. Each result shows the answer, the assumptions, and what to check next.

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Combo calculator

Rental Property Decision Calculator

Combine rent, mortgage, expenses, vacancy, management, cap rate, and cash-on-cash return.

Rental decision

Ready to calculateEnter your values, then tap Calculate.

Enter your values and tap Calculate to see the result.

How this combo works

Builds NOI from rent less vacancy and operating expenses, then subtracts debt service.

Best next calculator
Rental Property Cash Flow Calculator
Stress test
Compare rent -10%, vacancy 10%, higher repairs, and no management.

What this means

This combo page keeps the math quick by combining a few common parts of the decision. For a higher-stakes choice, use the linked calculators below and then move into a full SumPilot decision tool.

Included calculators

Rental Income vs Mortgage CalculatorCompare rent to mortgage-only cost and full ownership cost after taxes, insurance, HOA, vacancy, reserves, utilities, and management.Cap Rate CalculatorCalculate cap rate from annual income, operating expenses, NOI, and property value for a first-pass investment screen.Rental Property Cash Flow CalculatorEstimate rental income, vacancy, operating expenses, NOI, debt service, monthly cash flow, cash invested, cash-on-cash return, and DSCR.Vacancy Rate Impact CalculatorEstimate vacancy loss, effective gross income, NOI after vacancy, cash-flow impact, and break-even vacancy rate.

Related calculators

Rental Income vs Mortgage CalculatorCompare rent to mortgage-only cost and full ownership cost after taxes, insurance, HOA, vacancy, reserves, utilities, and management.Cap Rate CalculatorCalculate cap rate from annual income, operating expenses, NOI, and property value for a first-pass investment screen.Rental Property Cash Flow CalculatorEstimate rental income, vacancy, operating expenses, NOI, debt service, monthly cash flow, cash invested, cash-on-cash return, and DSCR.Vacancy Rate Impact CalculatorEstimate vacancy loss, effective gross income, NOI after vacancy, cash-flow impact, and break-even vacancy rate.