Rental Property Cash Flow Calculator
Purchase Information
Rental Income
Annual Operating Expenses
How to Use This Calculator
This calculator helps you analyze the cash flow of a rental property investment. Enter the purchase details, expected rental income, and operating expenses to see if the property will generate positive or negative cash flow.
Key Metrics Explained:
- Cash Flow: Monthly/annual income after all expenses and mortgage payments
- Cap Rate: Return on investment based on property value (NOI ÷ Purchase Price)
- Cash-on-Cash Return: Return on actual cash invested (Annual Cash Flow ÷ Total Cash Invested)
- NOI: Net Operating Income - rental income minus operating expenses (before mortgage)
Use this rental property cash flow calculator to compute real estate investment results from your inputs.
Formula
Monthly mortgage = Loan amount × [r(1+r)^n] / [(1+r)^n - 1] Gross rental income = Monthly rent × 12 Vacancy loss = Gross rental income × vacancy rate Operating expenses = Property tax + Insurance + Maintenance + Management fees + HOA + Utilities NOI = (Gross rental income - Vacancy loss) - Operating expenses Cash flow = NOI - (Monthly mortgage × 12) Cap rate = NOI / Purchase price Cash-on-cash return = Annual cash flow / Total cash invested