Rental Cash Flow Calculator
Positive cash flow is the whole point of rental investing. This calculator shows your monthly and annual cash flow after every expense — mortgage, taxes, insurance, management, vacancy, and maintenance.
Rental Cash Flow Calculator
See your monthly and annual cash flow after mortgage, taxes, insurance, management, vacancy, and maintenance
⚠️ This property produces negative cash flow of -$302.73/month. You are subsidizing the tenant. Consider raising rent, lowering your purchase price, or reducing debt service before closing.
Disclaimer: Monthly cash flow = Rent − Mortgage (P&I) − Property taxes − Insurance − HOA − Management − Vacancy allowance − Maintenance reserve. Figures are estimates using your inputs and common reserve percentages. It does not include closing costs, capital expenditures, or income taxes. Consult a real estate professional before making investment decisions.
Advertisement
Smart Budget Planning for Your Business
Track every dollar of your business income and expenses with a dynamic Google Sheets budget planner. Automated insights, interactive dashboard, and full history tracking.
Affiliate link — we earn a commission at no cost to you. We only recommend products we trust.
Frequently Asked Questions
How do I calculate monthly cash flow on a rental?+
Monthly cash flow = Monthly rent − (Mortgage payment + Property management + Maintenance reserve + Vacancy allowance + Insurance + Property taxes + HOA fees). A positive number means the property pays you each month. Negative means you're subsidizing the tenant.
What expenses should I include in my rental cash flow calculation?+
Include: mortgage (PITI), property management (8-12% of rent), maintenance reserve (5-10% of rent), vacancy allowance (5-8% of rent), insurance, property taxes, HOA fees, and capital expenditure reserve (for roof, HVAC, etc.). Don't forget to account for seasonal vacancies.
Is negative cash flow always bad for rental properties?+
Not necessarily. In high-appreciation markets (NYC, SF, LA), investors accept negative cash flow because the property value increases significantly. But for most investors, positive cash flow is essential — it covers your costs and provides income. Target $200-500/month minimum.
How do I calculate monthly cash flow on a rental?
Monthly cash flow = Monthly rent − (Mortgage payment + Property management + Maintenance reserve + Vacancy allowance + Insurance + Property taxes + HOA fees). A positive number means the property pays you each month. Negative means you're subsidizing the tenant.
Related Free Calculators
Rent vs. Buy Calculator
Should you rent or buy? This calculator factors in home price, rent, mortgage rate, property taxes, insurance, maintenance, opportunity cost, and appreciation to show which option wins for your specific situation.
Rental Property Calculator
Before you buy that rental, know the numbers. This calculator shows cash flow, cap rate, cash-on-cash return, and total ROI — so you can tell a good deal from a money pit.
House Flipping Calculator
Thinking about flipping a house? This calculator shows your total cost, expected profit, and ROI after purchase price, renovation costs, holding costs, and selling fees.
Mortgage Payment Calculator
How much will your monthly mortgage payment be? This calculator shows principal and interest, property taxes, insurance, and total PITI — with an amortization schedule breakdown.
House Affordability Calculator
How much house can you actually afford? This calculator uses the 28/36 rule, your income, debts, and down payment to tell you the maximum home price you should consider.
Real Estate Agent Commission Calculator
Selling a home? This calculator shows exactly how much you'll pay in agent commissions, how it splits between listing and buyer agents, and your net proceeds after the sale.