Free Commercial NOI Calculator

Calculate net operating income for a commercial property by subtracting all operating expenses from effective gross income, following standard commercial real estate methodology.

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Net Operating Income (NOI)

$160,450

Effective Gross Income$246,450
Total Operating Expenses$86,000
Operating Expense Ratio34.9%
Monthly NOI$13,371
Vacancy Loss Amount$18,550

Net Operating Income (NOI) vs Annual Gross Rental Income

Commercial NOI Calculation

Net Operating Income is the most important metric in commercial real estate. It measures a property's income-producing ability before debt service and capital expenditures.

Standard NOI Formula

NOI = Effective Gross Income - Operating Expenses

Where:

  • Effective Gross Income = Potential Gross Income - Vacancy & Credit Loss
  • Operating Expenses = Taxes + Insurance + Maintenance + Management + Utilities + Other
  • What NOI Excludes

  • Debt service (mortgage payments)
  • Capital expenditures (roof replacement, HVAC, etc.)
  • Depreciation and amortization
  • Income taxes
  • Operating Expense Benchmarks

  • Office: 40-55% of EGI
  • Retail (NNN): 10-20% (tenants pay most expenses)
  • Industrial: 20-35%
  • Multifamily: 35-50%
  • Lower expense ratios mean more income flows to NOI, which directly increases property value.

    Example Calculation

    $250,000 gross rental income, $15,000 other income, 7% vacancy, $28,000 taxes, $8,000 insurance, $15,000 maintenance, $18,000 management, $12,000 utilities, $5,000 other.

    1. 01Potential gross income: $250,000 + $15,000 = $265,000
    2. 02Vacancy loss: $265,000 x 7% = $18,550
    3. 03Effective gross income: $265,000 - $18,550 = $246,450
    4. 04Total expenses: $28,000 + $8,000 + $15,000 + $18,000 + $12,000 + $5,000 = $86,000
    5. 05NOI: $246,450 - $86,000 = $160,450
    6. 06Expense ratio: $86,000 / $246,450 = 34.9%

    Frequently Asked Questions

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