Finance category
Mortgage, loan, investing, tax, and money calculators.
Triple Net Reconciliation Calculator
Triple net leases pass through 100% of tax, insurance, and CAM. Year-end reconciliation reconciles actuals against estimates billed monthly. This calculator breaks out each component, adds the admin fee (typically CAM-only), and computes the tenant's true-up or refund.
Total tenant NNN obligation
$107,625
True-up amount (+ tenant owes, − landlord refunds)
$12,625
Property tax share
$54,000
Insurance share
$10,500
CAM share
$37,500
Admin fee on CAM
$5,625
How the math works
In a true triple-net lease, the tenant pays 100% of its pro-rata share of property tax, insurance, and CAM in addition to base rent. Year-end reconciliation matches actuals against monthly estimates — admin fee typically applies only to CAM, not to tax or insurance.
Tenants should audit the pro-rata calculation annually — pro-rata based on leased SF is standard, but some landlords use 'occupied SF' or 'fixed percentage' methods that can shift costs unfavorably.
How to Use
- Enter actual property tax, insurance, and CAM for the year.
- Enter tenant pro-rata percentage.
- Enter estimated amount billed during the year.
- Enter admin fee percent (applies to CAM).
- Read total obligation and true-up amount.
Frequently Asked Questions
True triple net vs modified?
True NNN: tenant pays all three + maintenance. Modified NNN: tenant pays some but not all. Single-tenant freestanding buildings (Walgreens, Dollar General) are typically true NNN; multi-tenant retail is more often modified.
Are capital improvements in CAM?
Usually no. Most NNN leases exclude capex from CAM — or require amortization over useful life. Large roof/HVAC replacements are a common dispute area.
Pro-rata share definitions?
Leased SF ÷ total SF is standard. Some leases use 'gross leasable area' excluding anchor space. Confirm the denominator — a larger denominator reduces tenant share and saves money.
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