Calgary Investor Tools

Investment Property Calculator

Run the numbers on any Calgary property: cap rate, cash flow, and 5-year equity in seconds.

Suites:Council approved secondary suites as a permitted use in all low-density districts in July 2026 (Bylaw 26P2026). Check whether a property can add a legal suite before you count suite income.

Property Details

$500,000
$100,000$2,000,000
25%
5%50%
5.5%
2%12%

Rental Income & Expenses

$2,000
$500$10,000
5%
0%20%
$800
$0$3,000
4%
0%10%

Monthly Cash Flow

-$1,189

After mortgage ($2,289/mo), expenses & vacancy

Cap Rate

2.64%

Net income ÷ purchase price

Cash-on-Cash Return

-11.41%

Annual cash flow ÷ down payment

Annual Cash Flow

-$14,268

Cash flow negative

Estimated 5-Year Equity

$273,873

Property value: $608,326

Secondary Suite Potential

This property may be able to add a legal secondary suite, depending on its land use district, so check the rules for the address with our Secondary Suite Checker →

For illustrative purposes only. Not investment, financial, or tax advice. Cap rate, cash-on-cash return, and appreciation are projections based on your inputs, not guarantees of future performance. Mortgage uses a 25-year amortization. Consult a licensed financial advisor before investing.

Is your investment property eligible for a secondary suite?

Calgary's citywide rezoning was repealed effective August 4, 2026, and a property can have either a secondary suite or a backyard suite, not both. Use the Suite Checker to see the rules and incentives that apply before you add suite income to your numbers.

Is your investment property eligible for a secondary suite? →