Estimate monthly and annual cash flow from rental property.
Cash flow
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The cash flow calculator summarizes rental income, operating expenses, and financing costs to show monthly and annual cash flow for a property. It includes vacancy assumptions along with common expenses like taxes, insurance, maintenance, HOA dues, and other recurring costs.
Investors use this tool to screen deals, stress-test different rent levels, and understand how financing terms affect returns. It pairs well with cap rate and ROI calculators to provide a complete rental property analysis workflow.
A rental cash flow calculator tells you how much money a property is likely to make or lose each month and year after you subtract realistic expenses from rental income. It helps you see whether a deal produces positive or negative cash flow before you move forward. You can pair these results with returns from our Property Investment Analyzer to evaluate overall performance.
A solid cash flow analysis should include your mortgage payment, property taxes, insurance, HOA dues, maintenance, property management, utilities you cover, reserves, and any other recurring costs. This calculator lets you break out key expenses so you can see how each line item affects your net income. You can then convert net operating income into returns using our Cap Rate Calculator.
Vacancy reduces your effective rental income because you collect fewer months of rent each year, which can significantly lower annual cash flow. In this tool you can model vacancy in months per year so you can stress-test deals in softer markets. For longer-term projections, you can also model returns in our Property Investment Analyzer.
Positive cash flow is important for stability and risk management, but long-term returns also come from loan paydown and property appreciation. A property with modest cash flow may still produce strong overall ROI when you factor in equity growth. You can combine cash flow from this tool with return metrics from our ROI Calculator and Cap Rate Calculator.
Your interest rate, loan term, and amortization schedule all influence your monthly mortgage payment, which is a major driver of cash flow. Lower rates or longer terms usually improve monthly cash flow but change your total interest paid. You can estimate payments with our Mortgage Calculator or Loan Amortization Calculator and plug those numbers back into this cash flow tool.