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Advanced Rental & Real Estate Profit Calculator
Estimate revenue, expenses, financing, tax, net cash flow, ROI, cap rate, break-even occupancy and long-term property returns before committing to a deal.
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Two Deal Models
Rent-to-Rent or Buy-to-Let
📅
Flexible Revenue
Monthly rent or nightly shortlet
💳
Finance Analysis
Mortgage, debt and cash invested
📈
Advanced Returns
ROI, cap rate, DSCR and payback
Enter Your Property Assumptions
The results update automatically as you type. Start with your own figures or load a sample deal to see how the calculator works.
Step 1
Choose Your Deal Model
This changes the financing, investment and return calculations.
Step 2
Property & Revenue
Occupancy already accounts for vacant rooms or unbooked nights.
Optional
₦
0–100%
%
₦
Parking, cleaning fees, laundry, events, utility mark-up or extra services.
Applied to positive profit
%
Step 3
Monthly Operating Expenses
Add recurring costs. Financing is calculated separately below.
₦
₦
₦
Electricity, water, gas, diesel and waste disposal.
₦
₦
₦
₦
₦
₦
₦
Revenue-Based Costs
%
%
%
Reserve for repairs, furniture replacement and unexpected operating costs.
Optional
₦
Step 4
Purchase & Mortgage Finance
The calculator estimates a standard amortising mortgage payment.
₦
%
%
yrs
%
%
Step 4
Initial Investment & Setup Costs
Used to calculate cash-on-cash return, ROI and payback period.
₦
₦
₦
₦
₦
₦
₦
₦
Not included in calculation
Understand the Numbers Behind the Deal
Review profitability, investment efficiency, financing pressure and the monthly path from revenue to net cash flow.
Initial Cash Invested
₦0
Setup and acquisition costs
Operating Profit
₦0
Monthly income before finance and tax
Operating Margin
0.0%
Pre-tax cash flow as a share of gross revenue
Payback Period
—
Estimated time to recover initial cash
Break-Even Rate
₦0
Required rate at current occupancy
Rent Coverage
—
Gross revenue relative to base rent
Profit per Unit
₦0
Monthly net profit divided by rentable units
Annual Setup ROI
0.0%
Annual net profit relative to initial setup cash
Capitalisation Rate
0.0%
Annual NOI divided by purchase price
Gross Rental Yield
0.0%
Annual gross rent divided by purchase price
Loan-to-Value
0.0%
Mortgage balance relative to purchase price
Year-One Total Return
0.0%
Cash flow, principal paid and estimated appreciation
Monthly Profit Breakdown
How the estimate moves from maximum revenue to final net cash flow.
| Revenue at 100% occupancy | ₦0 |
| Less vacancy / unbooked capacity | − ₦0 |
| Other monthly income | ₦0 |
| Effective gross revenue | ₦0 |
| Revenue-based expenses | − ₦0 |
| Fixed operating expenses | − ₦0 |
| Operating profit before finance | ₦0 |
| Business loan repayment | − ₦0 |
| Estimated income tax | − ₦0 |
| Estimated monthly net profit | ₦0 |
Revenue vs Cost
Visual comparison of income, expenses and final profit.
Gross Revenue₦0
Total Monthly Cost₦0
Net Profit / Loss₦0
Enter your deal assumptions to receive a profitability insight.
Occupancy Sensitivity Analysis
See how changes in occupancy affect gross income and monthly net profit. This helps you test conservative and optimistic scenarios before committing.
| Occupancy | Gross Revenue | Operating Expenses | Finance Cost | Tax | Monthly Net Profit | Annual Net Profit |
|---|
A Better Way to Review Property Deals
Use realistic assumptions, include every recurring cost and test lower occupancy levels before deciding whether a deal is worth pursuing.
Choose the Correct Model
Select Rent-to-Rent when you lease and re-rent the property. Select Buy-to-Let when you own or plan to purchase the property.
Use Conservative Assumptions
Do not calculate only with perfect occupancy. Test the deal at 50%, 60% and 70% occupancy to understand your downside risk.
Review More Than Profit
Check ROI, break-even occupancy, cash invested, financing coverage and payback period before signing an agreement or purchasing.
Calculation assumptions: Nightly revenue uses an average of 30.4 days per month. Revenue-based expenses are applied to effective gross revenue. Income tax is applied only when pre-tax cash flow is positive. Mortgage calculations use a standard monthly amortisation formula. This tool provides estimates for planning and education; it is not legal, tax, investment or financial advice.
Need Help Reviewing a Property Deal?
Learn how to assess opportunities, negotiate correctly and build a profitable Rent-to-Rent business with practical guidance from Rent2Rent World.