Rental Property Cash Flow Calculator

Estimate monthly and annual cash flow, cap rate, and cash-on-cash return for your investment property.

💰 Income

🏠 Monthly Rental Income ($)

➕ Other Monthly Income (parking, laundry, storage) ($)

📉 Vacancy Rate (%)

🏢 Operating Expenses

🏛️ Property Tax (monthly) ($)

🛡️ Insurance (monthly) ($)

🔧 Maintenance / Repairs (%)

Common: 5-10% of rent

🏢 Property Management (%)

💡 Utilities (paid by owner) ($)

📋 Other Monthly Expenses ($)

🏦 Financing & Investment

💸 Monthly Mortgage Payment (P&I) ($)

💰 Down Payment / Cash Invested ($)

🏠 Property Value / Purchase Price ($)

📈 Monthly & Annual Cash Flow

Annual: $0

🏦 Net Operating Income (NOI)

📊 Cap Rate

💰 Cash-on-Cash Return

💵 Debt Service Coverage

0.0x

🏘️ Key metrics: NOI = Income – Operating Expenses (before mortgage). Cap Rate = NOI ÷ Property Value. Cash-on-cash = Annual Cash Flow ÷ Down Payment.

💡 Pro tip: Aim for positive cash flow. Investors typically target 8-12% CoC return and >1.25 DSCR. Always factor in major capital expenses (roof, HVAC) separately.