- Home
- ADU Calculators
- Cash Flow & ROI Calculator
California ADU Cash Flow & ROI Calculator
Evaluate the cash flow, return on investment, and long-term equity growth of adding an ADU to your property. Analyze key metrics by entering financing, rental income, and expense details to evaluate the project's profitability potential.
Cash Flow & ROI Analysis
Equity Growth
Instant Equity Value Increase
$162,500
Equity Growth After 10 Years
$285,568
Equity Growth After 20 Years
$501,842
Equity Growth After 30 Years
$881,908
Financing Details
Financed Amount
$160,000
Total Interest (after 30 years)
$204,071
Total Payments (after 30 years)
$364,071
Monthly Loan Payment
$1,011
x 12
=
Annual Debt Service
$12,136
Rental Income (First Year)
Monthly Rent
$3,000
x 12
=
Gross Annual Rent
$36,000
Gross Annual Rent
$36,000
–
Annual Vacancy Loss
$2,772
=
Effective Gross Annual Income
$33,228
Cash Flow (First Year)
Effective Gross Annual Income
$33,228
–
Annual Operating Expenses
$15,500
=
Net Annual Operating Income
$17,728
Net Annual Operating Income
$17,728
–
Annual Debt Service
$12,136
=
Annual Cash Flow Before Tax
$5,592
Return on Investment
Cash-on-Cash Return (Year 1)
13.98%
In the first year, how much cash does every $1 of my upfront investment return?
Capitalization Rate (Year 1)
2.18%
Based on first year’s NOI, what percent of the property’s value do I earn before debt?
Average Annual Cash Yield
45.92%
On average, how much cash does each $1 of my down payment generate annually?
30‑Year Internal Rate of Return (Cash Flow Only)
23.70%
Over 30 years, what annal rate makes the cash flows equal my original cash today?
30-Year Equity Multiple (Cash Flow Only)
×13.78
After 30 years, how many total dollars of cash flow would I collect for every $1 invested?
30-Year Average Annual Return (CAGR)
9.14%
What fixed yearly growth rate turns my $1 into the total cash I receive over 30 years?
This calculator provides estimates for informational purposes only. Actual costs, rental income, and returns may vary significantly based on location, market conditions, and other factors. Always consult with real estate professionals before making investment decisions.
Cash Flow Breakdown
You can embed and use this calculator on your own website:
<iframe src="https://www.ca-adu.com/adu-calculators/cash-flow-roi/embed" width="100%" height="1080"></iframe>
