Aisha K.
Mar 12, 2026
Clean layout and the results update instantly. Exactly what I needed for a quick planning check.
Real Estate & Housing
How to Calculate Rental Property Cash Flow
Instant affordability check
Positive cash flow is the lifeblood of rental investing. This calculator estimates net operating income and cash flow after vacancy, expenses, and debt service.
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Inputs
50015000
030
010000
015000
Smart analysis
Recommendations
Tailored to your live inputs and result—guidance only, not professional advice.
- Stress test
Model a higher rate and vacancy
Re-run with +1% rates and a vacancy bump to see if cash flow still holds under stress.
Scenario studio
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Scenario A
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Scenario B
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Pro strategic insights
Plain-English guide
Terms & how it works
Confused by a field? Read the short definitions here while you use the tool.
Gross Monthly Rent
The “Gross Monthly Rent ($)” value used in this tool’s formula. Adjust it to see results update live.
Vacancy Rate (%)
The “Vacancy Rate (%)” value used in this tool’s formula. Adjust it to see results update live.
Monthly Operating Expenses
The “Monthly Operating Expenses ($)” value used in this tool’s formula. Adjust it to see results update live.
Monthly Mortgage
Cash you send each period toward interest and principal.
- Rent
Gross rent
Expected rental income.
- Ops
Operating costs
Taxes, insurance, maintenance, vacancy.
When to use this Rental Property Cash Flow
Common use cases
- Stress-test monthly payments at different down payments
- Compare renting versus buying over a multi-year hold
- Model rental cash flow before making an offer
Localized examples
- US metro mortgage payment examples
- Canadian property tax and closing-cost planning
What you get
- Update price, rate, and taxes for instant projections
- Side-by-side scenarios for common buyer decisions
- Free online tool with no sign-up wall
How to Calculate Rental Property Cash Flow Step-by-Step
- 1Enter expected gross monthly rent.
- 2Set a realistic vacancy percentage.
- 3Add monthly operating expenses (taxes, insurance, maintenance, management).
- 4Include the mortgage payment and review cash flow results.
Governing formula
Cash flow = Rent − (mortgage + tax + insurance + ops + vacancy)
Monthly income left after operating and financing costs on a rental.
Example: set Gross Monthly Rent ($) = 2,400, Vacancy Rate (%) = 5, Monthly Operating Expenses ($) = 600, then read the result.
Variable definitions
- Rent
Gross rent
Expected rental income.
- Ops
Operating costs
Taxes, insurance, maintenance, vacancy.
- Positive cash flow ≠ automatic strong return—check cap rate and equity.
Frequently Asked Questions
Many investors use 5–8% as a baseline, adjusting for local demand and unit type.
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Reviews & Ratings
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4.8
out of 5.0
4 reviews
Daniel R.
Feb 28, 2026
Very usable on mobile. Would love a save/export option later, but the math feels solid.
Priya S.
Feb 3, 2026
The FAQ section answered my questions before I even had to search. Smooth dark mode too.
Marcus L.
Jan 19, 2026
Simple inputs, clear outputs. This replaced three bookmarks I used to juggle.
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