Cap Rate Calculator — RUBS Impact

$/U

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Skip the deal-level inputs — drop a rent roll + utility bills and get per-unit recovery in seconds. No P&L required.

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RUBS-Only Forecast

Per-Unit Utility Recovery Forecast

Standalone tool — no deal-level inputs required. Upload data below or enter manually.

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NOI & Cap Rate Walk

RUBS Recovery Breakdown

Upload Data Optional

Unit Stack CSV

Drop a rent roll — we'll count occupants per unit and fill the breakdown.

Download CSV template

Utility Bills CSV

Drop 1–12 months of bills — we'll use the per-utility average.

Download CSV template

Utility Bills & Deductions Monthly

Water Bill ($)

Sewer Bill ($)

Trash Bill ($)

Gas Bill ($)

Electric Bill ($)

Other Bill ($)

Common Area Deduction (%)

Share of bill withheld for common areas (lobbies, irrigation, laundry).

Goodwill Deduction (%)

Cushion against bill anomalies and occupancy errors.

Admin / Service Fee per Unit ($)

Optional flat per-unit fee added to each statement.

Unit Occupancy Breakdown 8 units

Units with 0 residents

Units with 1 resident

Units with 2 residents

Units with 3 residents

Units with 4 residents

Units with 5 residents

Total: 8 units · 16 residents

Note: Livable estimates the fairest Common Area Deduction (CAD) based on common-area amenity details collected during the building on-boarding phase. Livable also applies the Goodwill Deduction (GWD) to regulate tenant statement amounts, offsetting potential anomalies, occupancy errors, and abnormal bill increases. Per-occupant allocation uses a diminishing factor curve (1res = 1.0, 2res = 1.6, 3res = 1.9, 4res = 2.2, 5res = 2.5).

Methodology: Allocated Tenant Portion = Bill Total × (1 − CAD% − GWD%). Per-factor charge = Allocated Portion ÷ Σ(units × occupant factor). Estimated Monthly Statement Amount sums all utility charges for that occupancy tier plus the optional flat admin fee.

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Notes: Cap rate computed as NOI ÷ Purchase Price. "Value at Market Cap" capitalizes NOI at the exit cap rate entered. RUBS income is modeled as ancillary income that flows directly to NOI, net of rollout timing. Admin fees are assumed fully implemented from month 1 of rollout. This model is an estimator — actual recovery varies by state/municipal regulation, lease timing, and resident turnover.