Rental Cash Flow Calculator

Cash flow is the lifeblood of rental investing. This calculator gives you a complete monthly and annual projection — from gross rent to net cash flow after all expenses and mortgage payments.

Monthly Rental Income
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$
5%
Annual Operating Expenses
$
$
$
$
$
$
$
Monthly Mortgage Payment

Principal + interest (P&I). Use our cash-on-cash calculator to compute this from loan details.

$

Cash Flow Summary

Monthly

$0

Annual

$0

Monthly Breakdown

Gross Rental Income$0
Vacancy (5%)($0)
Effective Income$0
Property Tax($0)
Insurance($0)
Maintenance($0)
Management($0)
NOI$0
Net Cash Flow$0

Understanding Rental Cash Flow

Rental cash flow is the money left over after collecting rent and paying all expenses — operating costs and debt service. Positive cash flow means the property pays for itself and puts money in your pocket. Negative cash flow means you're subsidizing the property out of your own funds.

The formula is straightforward:

Cash Flow = Effective Rental Income − Operating Expenses − Mortgage Payment

Key Expenses to Include

  • Property taxes — Check your county assessor's website for exact amounts. Don't use the seller's tax bill; reassessment after purchase may change it.
  • Insurance — Landlord policies (DP-3) cost more than homeowner policies. Get quotes before closing.
  • Maintenance — Budget 5-10% of gross rent. Older properties and those with deferred maintenance need more.
  • Property management — Typically 8-10% of collected rent. Include this even if you self-manage — your time has value.
  • Vacancy — 5% is standard for stable markets. Use 8-10% for areas with higher turnover.

Multi-Unit Properties

Use the “Add Unit” button to model duplexes, triplexes, and quads. Multi-unit properties often generate better cash flow per dollar invested because expenses are shared across units while each unit contributes rent independently.