Rental Cash Flow Calculator

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

💰 Rental Income

🏠 Monthly Rental Income ($)

➕ Other Monthly Income (parking, laundry, etc.) ($)

📉 Vacancy Rate (%)

🏢 Operating Expenses

🏛️ Property Tax (monthly) ($)

🛡️ Insurance (monthly) ($)

🔧 Maintenance / Repairs ($)

🏢 Property Management ($ or %)

Property Management Fee (%)

Property Management Fee (monthly) ($)

💡 Utilities (paid by owner) ($)

📋 Other Monthly Expenses ($)

🏦 Financing

💸 Monthly Mortgage Payment (P&I) ($)

📈 Investment Metrics

💰 Down Payment / Cash Invested ($)

🏠 Property Value / Purchase Price ($)

📊 Monthly Cash Flow

🏦 Net Operating Income (NOI)

💰 Cash-on-Cash Return

📈 Cap Rate

🏠 Rental cash flow formula: Net Cash Flow = Gross Income − Vacancy − Operating Expenses − Mortgage Payment. Cash-on-cash return = Annual Cash Flow ÷ Cash Invested.

💡 Pro tip: Aim for positive cash flow and >8% cash-on-cash return. Always budget for capital expenses (roof, HVAC) separately.