Rental Property Cash Flow Calculator

Analyze rental property investments with cashflow, cap rate, and ROI. Enter purchase price, rental income, expenses, and financing to see monthly cashflow, total return, and whether the deal works for you.

What is Rental Property Cash Flow Calculator?

The Rental Property Cash Flow Calculator helps investors analyze the profitability of rental properties.

Formula

Monthly Cash Flow = Effective Rent − Total Expenses

Effective Rent = Monthly Rent × (1 − Vacancy Rate / 100)

Total Expenses = Mortgage + Monthly Expenses + Property Tax / 12 + Insurance / 12 + Maintenance / 12

Mortgage = P × [r(1+r)^n] / [(1+r)^n − 1]

Where: P = Loan Amount, r = Monthly Interest Rate, n = Total Payments

Cash-on-Cash Return = (Annual Cash Flow / Down Payment) × 100

Cap Rate = (NOI / Purchase Price) × 100

NOI = (Effective Rent × 12) − Annual Operating Expenses

How to Calculate

Enter purchase price and down payment.
Input interest rate and loan term.
Add monthly rent and expenses.
View cash flow and returns.

Example

A $300K property with 20% down, 6.5% rate, $2K rent, and $500 expenses generates positive cash flow.

Key Benefits

Get accurate rental property calculator results instantly
Save time with rental property calculator calculations
Make informed decisions with clear data
Free on any device no downloads

Common Mistakes to Avoid

Using inaccurate inputs
Ignoring key factors
Misinterpreting outputs

Pro Tips

Double-check inputs for accuracy
Run multiple scenarios
Combine with other tools

Key Terms Explained

Input: Values you provide
Output: Results computed
Formula: Method used
Result: Calculated answer

Common Use Cases

Property analysis
Investment comparison
Portfolio planning

Frequently Asked Questions

What is a good cash-on-cash return?

A good cash-on-cash return is typically 8-12%, though this varies by market and risk tolerance.

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