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Evaluate real estate acquisitions: net cash flow, cap rate, cash-on-cash ROI, and 10-year wealth equity accumulation.
Standard conventional investment down payment is 20-25%.
Annual Cash Flow: $216.03 / yr
Visualizes wealth creation via loan paydown and property appreciation
Forecasts equity build-up, annual cash flow, and cumulative total return.
| Year | Property Value | Loan Balance | Accumulated Equity | Annual Cash Flow | Total Return (Cash + Equity) |
|---|---|---|---|---|---|
| Year 1 | $288,400.00 | $218,822.31 | $69,577.69 | $216.03 | -$206.28 |
| Year 2 | $297,052.00 | $213,422.93 | $83,629.07 | $221.43 | $14,066.53 |
| Year 3 | $305,963.56 | $207,792.36 | $98,171.20 | $226.97 | $28,835.63 |
| Year 4 | $315,142.47 | $201,920.69 | $113,221.77 | $232.64 | $44,118.84 |
| Year 5 | $324,596.74 | $195,797.61 | $128,799.13 | $238.46 | $59,934.65 |
| Year 6 | $334,334.64 | $189,412.36 | $144,922.28 | $244.42 | $76,302.23 |
| Year 7 | $344,364.68 | $182,753.70 | $161,610.98 | $250.53 | $93,241.46 |
| Year 8 | $354,695.62 | $175,809.93 | $178,885.69 | $256.79 | $110,772.96 |
| Year 9 | $365,336.49 | $168,568.84 | $196,767.65 | $263.21 | $128,918.13 |
| Year 10 | $376,296.59 | $161,017.70 | $215,278.88 | $269.79 | $147,699.15 |
Evaluates annual cash returns against out-of-pocket cash invested (down payment + closing costs).
Purchase at $280,000 with 20% down, $1,850/mo rent, 4.2% mortgage.
Net Monthly Cash Flow: ~$18.00/mo, Cap Rate: 5.25%, Total Initial Cash: $70,000.
Positive monthly cash flow plus rapid mortgage amortization and equity accumulation.
Tested against 1+ automated test cases via Vitest. Formulas are continuously checked against edge cases to prevent calculation drift.
Cross-verified against Microsoft Excel / OpenXML formula engines (PMT, SUM, IPMT) and statutory financial standards.
Zero data logging. All computations run exclusively in your browser memory. Your financial figures and inputs are never transmitted to our servers.
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