Sharkey Real Estate Investment Advisors

See how close you are to replacing $100,000

This calculator looks beyond monthly cash flow and includes principal paydown, appreciation, and depreciation benefits.

Number of Rentals

Market Value per Unit ($)

Monthly Rent per Unit ($)

Monthly Expenses per Unit ($) (Includes PITI + HOA)

Appreciation (%/yr)

Principal Paydown ($/yr/unit)

Depreciation ($/yr/unit)

Tax Rate (% for W-2 comparison)

Defaults are conservative. Adjust to your market and financing.

Cash Flow / yr

Principal Paydown / yr

Appreciation / yr

Depreciation Shield

Total Annual Wealth Gain

Progress toward $100,000

W-2 Salary Equivalent

This tool is for educational estimates only and is not tax or investment advice. Appreciation and expenses vary by market. Consult your advisors.

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How we calculate this

This calculator estimates annual “wealth gain” using four components.

Cash Flow: (Rent − Expenses) × 12 × Units
Principal Paydown: Annual principal reduction × Units
Appreciation: Market Value × Appreciation Rate × Units
Depreciation Shield: Estimated annual depreciation benefit × Units

Total Annual Wealth Gain = Cash Flow + Principal Paydown + Appreciation + Depreciation Shield.
W-2 Salary Equivalent = Total ÷ (1 − tax rate).

Estimates only. Not tax or investment advice. Markets and expenses vary. Consult your advisors.