Rental Property Cash Flow Calculator: Monthly + Annual Cash Flow
Cash flow determines whether a rental property builds wealth or drains it. Enter your numbers to see exactly what hits your bank account each month.
Total acquisition cost — purchase price plus closing costs and any initial repairs.
Cash you put in at close. The denominator for cash-on-cash return.
Realistic monthly rent net of vacancy. For STR, use ADR × occupancy × days/month.
Property taxes, insurance, maintenance, HOA, management fees, vacancy reserve.
Principal + interest only. Set $0 for all-cash purchases.
What hits your bank account each month after every cost. Positive = the property pays you; negative = you feed it.
How is Rental Property Cash Flow Calculator helpful?
Most hosts guess their numbers. Pros use data. This tool helps you make unemotional, data-driven decisions about your property portfolio, ensuring every dollar you invest yields a measurable return.
Accuracy
Based on real-time market data from 50+ cities.
Speed
Get answers in seconds, not hours of spreadsheet work.
Confidence
Bank-grade formulas used by institutional investors.
How the Rental Property Cash Flow Calculator Works
This calculator breaks down your estimate using key inputs. Each one refines the output.
Monthly Rental Income
Expected rent net of vacancy
Overstating rent is the most common mistake—use verified comps and discount 5-8% for vacancy.
Monthly Operating Expenses
Taxes, insurance, maintenance, management, reserves
Missing expenses turn a cash-flowing deal into a monthly drain on your bank account.
Down Payment / Cash Invested
Actual cash at closing
This is the denominator for cash-on-cash return—the metric that tells you what your dollars actually earn.
Track Every Property in One Place
DealCheck members analyze unlimited deals, save their calculations, and compare properties side by side.
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Frequently Asked Questions
What cash-on-cash return should I target?+
Most experienced investors aim for 8-12% on leveraged rentals. Anything above 10% is considered strong in today's rate environment.
Should I include property management if I self-manage?+
Yes. Your time has value, and including 8-10% management ensures the deal still works if you eventually hand it off or want accurate comparisons across properties.
What's the difference between cap rate and cash-on-cash return?+
Cap rate strips out financing to show the property's raw yield (NOI ÷ purchase price). Cash-on-cash measures return on your actual cash invested, including leverage effects.
How do I account for big repairs like roof replacement?+
Budget 5-10% of gross rent for CapEx reserves on top of routine maintenance, especially on older properties. This calculator treats expenses as monthly averages.
Does this calculator include appreciation or tax benefits?+
No. This focuses on cash flow and basic return metrics. Appreciation, principal paydown, depreciation deductions, and total return modeling require a more comprehensive analysis tool.