Investment Calculator
Advanced profit and cash flow calculator for evaluating rental properties before purchase. Make data-driven investment decisions.
ROI Analysis
Cash Flow
Save History
Evaluate Any Property
From listing to investment decision in 4 steps
What You Can Calculate
Loan Amortization
Model annuity or flat-rate loans with custom terms. See how different loan structures affect your monthly cash flow.
Cash Flow Analysis
Calculate net monthly cash flow after all expenses: loan payments, maintenance fees, taxes, and management costs.
Cap Rate Calculation
Instantly see the capitalization rate and return on equity. Compare properties on a standardized basis.
Saved Calculations (PRO)
Save your calculations to revisit later. Compare multiple properties side by side to find the best investment. Requires PRO subscription.
How to Use
Enter Purchase Price
Start with the asking price, debt-free price, and housing company loan details.
Configure Loan Terms
Set your down payment, interest rate, and loan duration. Choose between annuity and flat-rate repayment.
See Projections
Get instant results: monthly cash flow, annual return, cap rate, and loan amortization schedule.
Save for Later (PRO)
With PRO, save your calculation to compare with other properties. Build a shortlist of the best investments.
Finnish Market Focus
The calculator understands Finnish housing company structures: debt-free price vs. selling price, housing company loans (both rahastoitu and tuloutettu), and maintenance fees. It calculates the true cost of ownership including all hidden charges.
Rent Increase Calculator
Calculate a rent increase using a fixed percentage or a Statistics Finland index, like the cost-of-living index. Free, no registration needed.
Save & Compare Calculations
Saving and comparing calculations requires a PRO subscription. Get PRO to build a shortlist of investment properties and track how they compare.
Also coming to mobile
The Salkkunen mobile app launches January 2027 — free for all users, on iOS and Android.
Free to use — save history with PRO