Calculate cap rate, cash-on-cash return, and 5-year ROI on any Canadian rental property in 60 seconds. Built by the team behind Central Rentals Canada — the smart tenant screening and automated rent roll reconciliation platform trusted by landlords across Canada.
Divide the annual net operating income by the total cash invested (down payment + closing costs) and multiply by 100. In Canada in 2026, a healthy rental ROI is 5-8% cash-on-cash, with a cap rate of 4-6% for major cities and 6-8% for secondary markets.
Enter your numbers below — every field is required. We use Canadian market averages for taxes, insurance, maintenance and vacancy so you get an accurate ROI without a spreadsheet.
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Fill in purchase price, down payment %, mortgage rate, amortization, and monthly rent. We apply Canadian market averages for the rest.
Return on Investment (ROI) on a Canadian rental property is calculated using three metrics: cap rate (Net Operating Income ÷ purchase price × 100), cash-on-cash return (annual cash flow ÷ total cash invested × 100), and total return (cash flow + property appreciation ÷ cash invested × 100). Central Rentals Canada’s free calculator above computes all three in real time with your inputs.
A “good” cap rate for a Canadian rental in 2026 depends on the market: Toronto and Vancouver core condos typically show 3-4%, while secondary Ontario cities (Windsor, Kingston, Kitchener-Waterloo) and most of Alberta and Saskatchewan show 5-7%. A cap rate below the 5-year GoC bond yield generally means the investment is speculative — you’re betting on appreciation more than income.