Real Estate Investment Calculator
Project your total return on a NYC investment property over a multi-year hold — combining rental cash flow, mortgage paydown, and appreciation into one total ROI and annualized return, not just a single year’s snapshot.
For a year-1 operating snapshot instead, see our Cap Rate Calculator or Rental Property Calculator, or view all our calculators.
Glossary
Those two show a year-1 snapshot — cap rate, cash-on-cash return, and monthly cash flow as they stand today. This calculator projects forward across your full holding period, combining cumulative cash flow, mortgage principal paydown, and property appreciation into one total return figure.
Compound annual growth rate — the steady year-over-year return that would take your initial cash investment to the same ending value over the same holding period. It’s the standard way to compare a multi-year real estate return against other investments on an apples-to-apples basis.
Operating expenses (taxes, insurance, HOA, maintenance) are held flat for the full hold rather than inflated year over year, and the projection does not account for tax effects like depreciation, deductions, or capital gains at sale. See our Capital Gains Tax Calculator or 1031 Exchange Calculator for the tax side of a sale.
A sale isn’t free — broker commissions and transfer taxes typically run several percent of the sale price in NYC. Leaving them out overstates your real return, so this calculator nets them out of the ending property value before computing profit.
