Total return on a property purchase including appreciation and leverage.
How to use this calculator
Every field updates the result as you type — there is no submit step. The inputs below are pre-filled with a realistic example so you can see how the tool behaves before entering your own figures.
| Field | Unit | What it means |
|---|---|---|
| Purchase price | $ | Enter a numeric value. |
| Down payment | $ | Enter a numeric value. |
| Mortgage rate | % | Enter a numeric value. |
| Loan term | yrs | Enter a numeric value. |
| Years held | yrs | Enter a numeric value. |
| Appreciation | %/yr | Enter a numeric value. |
| Net annual rental income | $ | Enter a numeric value. |
| Selling costs | % | Enter a numeric value. |
Worked example
Using the default values loaded into the calculator above, the result is:
| Input | Value |
|---|---|
| Purchase price ($) | 300000 |
| Down payment ($) | 60000 |
| Mortgage rate (%) | 6.5 |
| Loan term (yrs) | 30 |
| Years held (yrs) | 10 |
| Appreciation (%/yr) | 3.5 |
| Net annual rental income ($) | 12000 |
| Selling costs (%) | 6 |
| Output | Value |
|---|---|
| Total profit | $72,290.56 |
| Value at sale | $423,179.63 |
| Mortgage balance at sale | $203,462.70 |
| Equity from paydown | $36,537.30 |
| Net sale proceeds | $194,326.15 |
| Mortgage payments made | $182,035.59 |
| Interest paid | $145,498.29 |
| Net rental income | $120,000.00 |
Reading the result
Financial projections compound small assumption changes into large differences over time. Rates, fees and tax treatment vary by lender and jurisdiction, so treat the output as a well-structured estimate for comparing options rather than a quotation.
Figures that change annually — tax bands, contribution limits, statutory rates — are exposed as editable inputs. Check them against current published values before relying on the result.
Sharing and saving a calculation
The "Copy link" button encodes every value you have entered into the page URL. Opening that link restores the calculation exactly, which makes it easy to bookmark a scenario, send it to someone else, or keep several variations side by side in separate tabs.
Frequently asked questions
What does the Real Estate Calculator do?
Total return on a property purchase including appreciation and leverage.
What result do the default values produce?
With the values pre-loaded in the calculator, total profit comes to $72,290.56.
Is this calculator free to use?
Yes. It is free, requires no account, and runs entirely in your browser — nothing you enter is transmitted or stored on a server.
Can I save or share a calculation?
Yes. The "Copy link" button builds a URL containing all your entered values. Anyone opening that link sees the same calculation.
How accurate is the result?
The calculation itself is exact for the inputs given. Real-world accuracy depends on how well those inputs reflect your actual situation, so review the assumptions before relying on the figure.