Property ROI Calculator 2025
Calculate your return on investment for buy-to-let properties. Analyze cash-on-cash returns, total returns including capital appreciation, and compare different investment scenarios. Updated for October 2025 UK market conditions.
Calculate Your ROI
Enter your property investment details to calculate returns
Important Notes
- Cash-on-cash return = (Annual cash flow ÷ Total cash invested) × 100
- Total ROI includes both rental income and capital appreciation
- Consider void periods and unexpected maintenance costs
- Property values can fluctuate - use conservative appreciation estimates
- Tax implications are not included in these calculations
Frequently Asked Questions
Common questions about property investment ROI
What is a good ROI for property investment?
A good ROI for property investment typically ranges from 8-12% annually. This includes both rental income and capital appreciation. However, ROI varies significantly by location, property type, and market conditions. Consider your risk tolerance and compare with other investment options.
How is cash-on-cash return different from total ROI?
Cash-on-cash return measures the annual return based only on the cash you invested (deposit and costs), while total ROI includes the impact of leverage from your mortgage. Cash-on-cash return is often higher due to the leverage effect of borrowing.
Should I include capital appreciation in ROI calculations?
Yes, total ROI should include both rental income and capital appreciation. However, be conservative with appreciation estimates as property values can fluctuate. Many investors calculate ROI with and without appreciation to understand both scenarios.