Home ROI Calculator

Not every home improvement pays for itself — this home ROI calculator compares what you put into a purchase or renovation against the value or income it’s likely to generate. Home ROI calculator estimates the return on investment for a home purchase or renovation project, comparing what you put in — purchase price, renovation costs, financing costs — against the resulting increase in value or rental income. This helps you decide whether a specific project or purchase is likely to pay off financially.

Evaluate the profitability of a rental property by calculating the Capitalization Rate (Cap Rate) and estimated monthly cash flow.

Purchase & Financing
Income & Expenses
Property taxes, insurance, HOA, maintenance. (Do NOT include mortgage).

Property Analysis Summary

Monthly Cash Flow
$0
Cap Rate
0%
Net Operating Income (NOI / Annual) $0
Monthly Mortgage Payment (P&I) $0
Cash-on-Cash Return 0%

Cap Rate: Indicates the natural rate of return on a property regardless of financing. Cash Flow: The actual money left in your pocket each month after paying expenses and the mortgage. Cash-on-Cash Return: Annual pre-tax cash flow divided by the total cash invested (down payment).

If you're evaluating a renovation specifically, it helps to understand what actually drives value up in the first place — our article on what drives home appreciation covers the factors worth focusing on. For equity-building strategies beyond renovations, our guide on how to build home equity faster offers additional approaches, and our home equity calculator can help you track your current position.

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