Real Estate

Rental Cash Flow Calculator

Calculate monthly cash flow after every expense — see exactly what a rental property puts in your pocket.

Income

$
%

-$110.00/mo

$

Laundry, parking, fees

Monthly Expenses

$
$
$
$
$

Big-ticket replacements

%

= $167.20/mo

$
$

Results

Monthly cash flow
$72.80
Annual: $873.60
Effective gross income
$2,090.00
Total expenses
$2,017.20
Expense ratio
96.5%
Vacancy loss
$110.00
Expense Breakdown
Mortgage (P&I)$1,200.00
Property tax$300.00
Insurance$100.00
Maintenance$150.00
Property management$167.20
CapEx reserve$100.00
Total$2,017.20

Cash flow analysis

Positive cash flow

Aim for at least $100-200/door/month after all expenses including reserves. Slim margins leave no buffer for vacancies or unexpected repairs.

CapEx reserves

Set aside $100-200/month per unit for capital expenditures — roof, HVAC, appliances. These costs are infrequent but large. Skipping this reserve leads to cash flow surprises.

The 50% rule

A quick estimate: half of gross rent covers all expenses except mortgage. If your mortgage is less than 50% of gross rent, you'll likely have positive cash flow.

Cash flow vs appreciation

Markets with strong appreciation often have poor cash flow (low cap rates). Markets with strong cash flow often have slower appreciation. Know which strategy you are pursuing.

For estimation only. Does not include depreciation or income taxes. Not financial advice.