Property ROI

The Property ROI Calculator computes the comprehensive return on a real estate investment by combining three return components: rental income, property appreciation, and mortgage paydown (equity built by tenants effectively paying your loan). It also subtracts all costs including operating expenses, mortgage interest, and transaction costs. Enter the purchase details, financing terms, rental income, expenses, and holding period. The stacked bar chart decomposes total ROI into appreciation return, rental income return, and equity buildup, while also showing cost drag from expenses and interest. This holistic view prevents the common mistake of evaluating properties on just one metric. A property with low rental yield might deliver excellent total ROI through appreciation, while a high-yield property in a stagnant market might underperform when all costs are included.