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Rental Property Cash Flow Calculator

Model one long-term rental property using monthly rent, vacancy, annual operating costs and debt service. The calculator keeps NOI separate from financing. Inputs stay in your browser.

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Use taxes and insurance as annual amounts. Enter mortgage principal and interest only to avoid counting escrowed expenses twice.

Planning result

Your estimate

Effective monthly income$2,280
Monthly operating expenses$807
Monthly NOI$1,473
Monthly cash flow$73
Annual cap rate5.9%
Cash-on-cash return1.2%

Pre-tax planning estimate. It excludes appreciation, sale costs, income taxes, depreciation, legal risk and unentered capital projects.

How the rental cash-flow calculation works

The calculator reduces scheduled rent by the vacancy allowance, adds other income and subtracts operating expenses to estimate net operating income. It then subtracts mortgage principal and interest and the additional capital reserve to estimate owner cash flow.

NOI versus cash flow

NOI excludes financing. This makes it useful for comparing property operations. Cash flow includes the entered debt service and capital reserve, so it is more specific to the owner’s plan.

Cap rate and cash-on-cash return

Cap rate is annual NOI divided by the entered property value or purchase price. Cash-on-cash return is annual pre-tax cash flow divided by total cash invested. Neither metric includes every risk or source of return.

Use conservative inputs

Test lower rent, more vacancy, higher insurance and larger repair reserves. Read Rental Property Cash Flow Explained and the Operating Expenses Checklist before using the result for a decision.

Calculator disclaimer

This tool provides a simplified planning estimate. It is not lending, investment, legal, tax, insurance or professional advice. Verify assumptions using property documents, written quotes and qualified professionals.