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ROI & Payback Calculator

See cash-on-cash return, net ROI, payback period, and 10-year cumulative projections for your project.

How the ROI Calculator Works

The calculator combines your total build cost, projected net rental income, and estimated property value increase into a complete ROI picture. Cash-on-cash return measures annual net income as a percentage of your total cash invested. Payback period shows how many years of rental income it takes to recoup the build cost. The 10-year projection adds up cumulative income and compares it against the total investment.

  • Cash-on-cash return = annual net income / total build cost
  • Payback period = total build cost / annual net income
  • Net ROI = (value increase + cumulative income - build cost) / build cost
  • 10-year projection shows cumulative cash flow year by year

Factoring in Financing Costs

If you finance the project with a HELOC or construction loan instead of paying cash, the monthly loan payment reduces your net income and extends your payback period. The calculator lets you model all three scenarios side by side. A HELOC at 8.5% on a $120,000 draw adds roughly $922/month in payments, cutting net income significantly. Always compare the financed ROI against the cash ROI to see the true cost of leverage.

  • Cash scenario: full build cost paid upfront, highest monthly net income
  • HELOC scenario: draw against home equity, variable rate risk
  • Construction loan scenario: short-term financing rolled into permanent
  • Compare payback periods across all three financing options

Sample Output

See what this feature calculates for you.

ROI & Payback Calculator
Total Build Cost $143,000
Annual Net Income $13,260
Cash-on-Cash Return 9.3%
Payback Period 7.2 years
Value Increase +$165,000
10-Year Total ROI +$89,600

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Copy a prompt, paste your MLS listing into any AI tool, and import 20+ property fields in seconds.

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