Rental Cash Flow Calculator
Use this rental cash flow calculator to estimate whether a rental property produces positive or negative cash flow each month.
Estimate rental cash flow
Your result
How this calculator helps
Cash flow is different from cap rate and simple ROI because it includes financing and looks directly at the money left after regular outflows.
This calculator helps you see whether the property supports itself under your current assumptions.
How the math works
Monthly net cash flow = rent - vacancy reserve - mortgage - taxes - insurance - repairs - management - HOA - owner-paid utilities - other expenses.
Annual net cash flow = monthly net cash flow × 12.
Worked examples
Positive cash flow case
Rent comfortably exceeds financing and operating expenses.
- • Moderate mortgage and expenses
The result shows positive monthly and annual cash flow.
Tight cash flow
Mortgage and management consume a larger share of rent.
- • Higher mortgage payment
The monthly result shows whether the property still supports itself.
Owner-paid utilities
The landlord covers some utility costs.
- • Owner-paid utilities entered
The cash flow drops because more expenses sit with the owner.
Frequently asked questions
Related tools
Compare the same property without financing in the formula.
Look at broader annual return metrics too.
Compare owner versus renter economics from another angle.
Useful when housing analysis overlaps with relocation planning.
Important note
Investor estimate only. This is not investment, tax, legal, or lending advice.