Rental Property Cash Flow Calculator: Estimate Monthly Cash Flow Fast
Enter five numbers and get your monthly cash flow from a short-term rental property in seconds.
Total acquisition cost of the property, including closing costs for a conservative figure.
The actual dollars you put in at closing — the denominator in your cash-on-cash return.
Projected gross revenue across all booking channels before fees or expenses — use a conservative occupancy estimate, not your peak-season ceiling.
Every recurring cost except the mortgage: cleaning, supplies, platform fees, insurance, property management, and maintenance reserves.
Your full PITI payment (principal, interest, taxes, insurance). Enter zero if you own the property outright.
Dollar amount remaining after all expenses in a given month.
How the Calculator Helps You
DollarSign (Lucide), Instant Cash Flow Clarity
See your net monthly cash flow in seconds, without building a spreadsheet from scratch.
TrendingUp (Lucide), Smarter Purchase Decisions
Run numbers on any property before you commit, so unprofitable deals don't slip past due diligence.
ShieldCheck (Lucide), Expense Blind Spot Protection
The five-field structure forces you to account for mortgage, operating costs, and capital invested, not just gross rental income.
How the Calculator Works
Enter your property's numbers below and the calculator returns your estimated monthly cash flow in seconds. Five inputs, one output, no spreadsheet required.
Purchase Price
Total acquisition cost of the property, including closing costs
Sets the base for your return-on-investment calculation against the full asset value.
Down Payment / Cash Invested
Actual dollars put in at closing, not the loan amount
This is the denominator in your cash-on-cash return — get it wrong and every percentage the calculator outputs is wrong too.
Monthly Rental Income
Projected gross revenue across all booking channels before fees or expenses
Using a conservative occupancy estimate rather than peak-season figures produces a realistic cash flow picture.
Monthly Operating Expenses
Every recurring cost except the mortgage: cleaning, supplies, platform fees, insurance, property management, and maintenance reserves.
Monthly Mortgage Payment
Your full PITI payment (principal, interest, taxes, insurance). Enter zero if you own the property outright.
Run Your First Calculation Today
Enter your numbers and get a clear monthly cash flow figure in under two minutes, no spreadsheet required.
No credit card required. Cancel anytime.
Frequently Asked Questions
Does the Calculator Account for STR Vacancy?+
Enter your Monthly Rental Income as your realistic projected figure after applying your expected occupancy rate. If your property earns $200/night at 70% occupancy over 30 days, input $4,200, not the theoretical $6,000 full-occupancy number.
What Should I Include in Monthly Operating Expenses?+
Include platform fees (Airbnb charges hosts roughly 3%), cleaning costs, supplies, property management fees, insurance, utilities, and any HOA dues. Exclude your mortgage payment, the calculator handles that separately in the Monthly Mortgage Payment field.
How is Cash-on-cash Return Different From Monthly Cash Flow?+
Monthly cash flow is the dollar amount left after all expenses in a given month. Cash-on-cash return expresses that annual total as a percentage of your Down Payment / Cash Invested letting you compare properties of different purchase prices on equal footing.
Should I Use Gross Income or Net Income for Monthly Rental Income?+
Use gross rental income before platform fees and cleaning charges, then account for those costs inside Monthly Operating Expenses. Mixing net income with gross expenses double-counts deductions and understates true cash flow.
What Cash-on-cash Return is Acceptable for an Str?+
Most experienced STR operators target 8–12% cash-on-cash return as a minimum threshold before acquisition. Properties in high-demand markets with strong occupancy can reach 15–20%, but anything below 6% rarely justifies the operational workload of short-term rental management.