Rental property
Rental Property Cash Flow Calculator
Use your own income and operating expenses to evaluate a rental property.
Calculate your result
What this calculator estimates
Calculate monthly cash flow and cap rate. It combines the inputs below to produce Monthly cash flow. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.
Worked example
Using the displayed sample assumptions, the calculator produces $172. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.
Inputs and assumptions
- Purchase price — sample input: 500000 currency units
- Monthly rent — sample input: 3200 currency units
- Vacancy allowance — sample input: 4 %
- Monthly operating costs — sample input: 1050 currency units
- Monthly mortgage — sample input: 1850 currency units
- Cash invested — sample input: 120000 currency units
How to interpret the result
Review cash flow together with reserves, vacancy and financing risk. Compare a conservative case with an expected case and keep a record of the assumptions used.
Common mistake to avoid
Do not treat gross rent as net operating income. Local definitions, taxes, lending practices and measurement requirements can materially change the result.
Frequently asked questions
What expenses should be included?
Include vacancy, taxes, insurance, maintenance, management, utilities paid by the owner, association costs, reserves and debt service where applicable.
Is positive cash flow the same as a good investment?
No. Also consider condition, location, tenant risk, financing, capital requirements and resale assumptions.
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Reviewed 2026-09-08.