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See what the rental actually leaves you.

Rent is the start of the calculation. Vacancy, operating expenses, and debt service deserve a place in the conversation too.

Analyze rental income, operating expenses, NOI, cap rate, cash flow, DSCR, and cash-on-cash return with Kora’s rental property calculator.

Free browser calculator

Run a rental property first pass.

The prefilled values are an editable example. Results stay in this browser and do not guarantee investment performance.

Acquisition, financing, and income

Purchase price Down payment Annual interest rate Loan term Monthly rent Other monthly income Vacancy

Advanced acquisition and operating expenses

Closing costs Initial repairs

Property taxes per year basis Property taxes per year value Enter dollars or a percentage using the selected basis.

Insurance per year basis Insurance per year value Enter dollars or a percentage using the selected basis.

HOA per year basis HOA per year value Enter dollars or a percentage using the selected basis.

Owner-paid utilities per year basis Owner-paid utilities per year value Enter dollars or a percentage using the selected basis.

Other expenses per year basis Other expenses per year value Enter dollars or a percentage using the selected basis.

Management basis Management value Enter dollars or a percentage using the selected basis.

Repairs reserve basis Repairs reserve value Enter dollars or a percentage using the selected basis.

Capital reserve basis Capital reserve value Enter dollars or a percentage using the selected basis.

How the estimate works

Rental Performance: the useful part, explained.

NOI = effective gross income − operating expenses

Effective gross income accounts for modeled income and vacancy. NOI is before debt service. Cash flow accounts for debt service, while cash-on-cash return relates annual cash flow to the modeled cash invested.

A worked example.

Illustration: $12,000 scheduled annual rent less 10% vacancy gives $10,800 effective gross income. Subtract $1,000 tax, $200 insurance, and $1,080 management for $8,520 NOI. At a $100,000 price, the cap rate is 8.52%, before any other operating expenses.

Illustrative planning example only. Not a quote, appraisal, commitment, or prediction.

Keep the assumptions in view.

Do not omit maintenance, reserves, management, or other applicable expenses simply to improve a result.
NOI is not the same as cash flow after financing.
A no-debt scenario does not have a meaningful debt-service coverage ratio.

Take the calculation into the property work.

Keep the assumptions clear, add your branding, and give the next conversation something useful to start from.

Pricing & access

Available now on iPhone, iPad, and native Mac. Free download; advanced workflows require Kora Intelligence.

A few useful answers

Before the next step.

What does the Rental Performance page provide?

An interactive browser estimate using the existing Kora calculator, plus assumptions, a worked example, and a link to the native app.

Are these current rates or transaction terms?

No. Worked examples and prefilled values are illustrative assumptions. Use terms appropriate to your scenario and verify the result with the relevant professional.

Can I keep a branded summary in Kora?

Kora supports branded calculator summaries. Advanced Property Room reports are part of the separate room workflow; check the availability notice and current App Store release.