Financial model template

Rental property investment calculator

Buying an apartment to rent out looks simple until you add vacancies, repairs and taxes. The template buys the property with a down payment and a mortgage, renovates it, rents it out with empty months and shows when rent starts paying the loan.

Try free for 7 days Open the demo
The model answers
  • Whether rent covers the mortgage payment
  • What return you get on the money you put in
  • How vacancies and repairs change the result
Open this template

What is inside the template

Each line is a block with plain fields. Change the numbers, delete blocks or add new ones.

  • Down payment and renovation as an investment
  • A mortgage with a payment schedule
  • Rent from month three, after renovation
  • Maintenance and management
  • Property tax and insurance
  • Inflation of expenses

Numbers to watch

Rent minus mortgage
The monthly difference you pay out of pocket or keep.
Vacancy
Even a good apartment stands empty for a few weeks a year.
Cash-on-cash return
Yearly cash flow divided by the money you invested.
Repair reserve
Plan for appliances and wear between tenants.

Common mistakes in this kind of model

Twelve months of rent a year

Put realistic vacancy between tenants.

Forgetting taxes on rent

Rental income is taxed in most countries.

Ignoring the down payment

The money you put in could earn elsewhere. Compare the return honestly.

AI assistant

Check the template against your market

Tell the assistant your city and format. It looks up prices, rent and salaries online, compares them with the template and proposes changes as cards with the effect on profit and cash. You decide what to apply.

How the assistant works

Questions

Does it calculate the mortgage schedule?

Yes. The loan block builds the payment schedule and shows interest and principal by month.

Can I compare buying with keeping money in a deposit?

Yes. Make a second model with deposit interest as income and compare savings after a few years.

Related reading

Profit vs cash flow: what is the difference Why profit and cash flow differ: depreciation, loans, inventory, payment terms, taxes and owner payouts. With examples and how to read both reports together. Break-even point: how to calculate it and use it What the break-even point is, the formula in units and in money, a worked example, and why monthly break-even differs from payback. Plus how to lower it.

Similar templates

Freelancer Hourly work, taxes on income and personal spending in one place. Personal budget Family income, expenses and a mortgage: savings and safety margin.

Open the rental property template now

The demo works without sign-up. To save your model, start the free trial.

Start free trial Open the demo