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Operating Expense Calculator (USA)

Analyze a rental or investment property. See your Net Operating Income (NOI), cap rate, operating expense ratio, monthly cash flow, DSCR, and cash-on-cash return — plus a multi-year pro forma projection.

For estimation purposes only. NOI excludes debt service & income taxes. Consult a licensed advisor before investing.
1 Property & income
units
%
0%10%20%
2 Operating expenses (monthly)
% EGI
3 Financing & projection (optional)
%
%
Net Operating Income (annual)
—
Enter your details and click Calculate
Investment highlights
Net operating income —
Cap rate —
Expense ratio (OER) —
Monthly cash flow —
Cash-on-cash —
DSCR —
Operating expense breakdown
Calculate to see breakdown
Income
Gross scheduled rent—
Vacancy & credit loss—
Other income—
Gross rent multiplier—
Effective gross income (annual)—
Operating expenses (annual)
Property taxes—
Insurance—
Management—
Repairs & maintenance—
Utilities—
HOA / condo dues—
Landscaping / services—
CapEx reserves—
Other expenses—
Expense ratio (OER)—
Total operating expenses—
Investment analysis
Net operating income—
Cap rate—
Annual debt service—
DSCR—
Break-even occupancy—
NOI per unit—
Cash-on-cash return—
Annual cash flow—
Monthly cash flow—
Visualizations
Income, expenses & NOI over time
Operating expense mix
Disclosure: This calculator provides estimates for informational purposes only and does not constitute financial, tax, or investment advice. NOI excludes debt service, income taxes, and depreciation. Actual results depend on market conditions, financing, and property specifics. Consult a licensed advisor before making an investment decision.