Real Estate ROI Calculator
Combine rental cash flow, appreciation and net sale proceeds into a single total return and annualized ROI on the cash you invested. Enter your annual figures and loan balance at sale for a complete buy-hold-sell picture.
Written and reviewed by the CalcBundle editorial team. Transparent formulas · results are estimates, not advice.
Total ROI
Enter a purchase price and your initial cash invested.
What is a real estate ROI calculator?
A real estate ROI calculator brings the two sources of property return together — the income you collect while you hold and the profit you realise when you sell — into one total return and an annualized rate you can compare to other investments.
How the total return is built
- Total cash flow = (rent − operating expenses − mortgage payments) × years
- Net sale proceeds = value at sale − selling costs − loan payoff
- Total profit = total cash flow + net sale proceeds − cash invested
- ROI = total profit ÷ cash invested × 100
Avoiding double-counted principal
The calculator subtracts your remaining loan balance from the sale proceeds, so the equity you built through mortgage payments is captured exactly once. For a monthly-input version that builds the loan for you, use the rental property ROI calculator, and estimate the growth input with the property appreciation calculator.
Frequently asked questions
How is real estate ROI calculated?
Total profit is the sum of cash flow over the holding period plus net proceeds when you sell, minus your initial cash invested. ROI is that profit divided by your cash invested; annualized ROI expresses it as a compound yearly rate.
What is net sale proceeds?
It is the property's value at sale minus selling costs (such as agent fees) and the loan balance you still owe. Entering your loan balance at sale ensures mortgage principal is not counted twice.
How is this different from the rental property ROI calculator?
This calculator works from your own annual totals and loan balance at sale for a flexible, high-level view. The rental property ROI calculator builds the mortgage and expenses from monthly inputs. Both avoid double-counting principal.
What is a good real estate ROI?
It depends on your holding period, leverage and market. Look at the annualized ROI and compare it against alternative investments and the risk you are taking, rather than a fixed target.
Related calculators
Rental Property ROI
Estimate cash flow, cash-on-cash and total ROI for a financed rental, including sale.
Property Appreciation
Project future property value from an assumed appreciation rate.
Cash-on-Cash Return
Measure annual pre-tax cash flow against the cash you actually invested.
Cap Rate
Compute capitalization rate from NOI and value, or solve for value or NOI.
Investment Return
Work out total return, gain and annualized return on an investment.
Net Worth
Add up assets and liabilities to find your net worth and ratios.
Disclaimer. This calculator provides estimates for informational purposes only. Results are based on the information you enter and the assumptions used by the calculator. Actual financial, tax, business valuation, lending, marketplace or investment outcomes may differ. Consider consulting a qualified professional for decisions involving significant amounts of money. Results are estimates based on your inputs and assumptions. Appreciation, rents and costs are not guaranteed. This is not investment advice.