Cash Flow Calculator

Estimate a rental property's monthly and annual cash flow after mortgage, taxes, insurance, and operating costs. All figures are the ones you enter.
$
$

Enter the rent you expect to charge

%
%
yrs
$
$
$
$
$
%
$

Don't know the expected rent?

Get a market rent analysis for any U.S. address — comparable rentals, an expected range, and a recommended price.

Cash flow, returns, and a deal score.

Optional. Anything you leave blank comes from the county record.

How this is calculated

Monthly cash flow is your expected rent minus every monthly cost of holding the property:

Cash flow = Rent − (Mortgage + Taxes + Insurance + HOA + Maintenance + Management + Vacancy + Other)

The mortgage payment is derived from your purchase price, down payment, interest rate, and loan term. Annual property tax and insurance are divided by 12. Vacancy is applied as a percentage of rent. Positive cash flow means the property pays for itself each month with room to spare.

Worked example

A $350,000 property with 20% down at 7% over 30 years has a loan of $280,000 and a mortgage of about $1,863/mo. With $2,400 rent, $350/mo taxes, $133/mo insurance, $150 maintenance, $200 management, and 5% vacancy ($120), total costs are roughly $2,816/mo — a monthly cash flow of about −$416. Raising rent or increasing the down payment moves it toward positive.

Frequently asked questions

What is good cash flow for a rental?

Many investors target at least $100–$200 per unit per month after all expenses, but the right number depends on your market, financing, and goals.

Does this calculator pull real rent or property data?

No. Every value is entered by you. To get a data-backed market rent for a specific address, use the market rent analysis linked on this page.

Should I include vacancy and maintenance?

Yes. Even conservative allowances for vacancy and maintenance give a far more realistic picture than rent minus mortgage alone.

Related tools

Cap Rate Calculator
Calculate capitalization rate from net operating income and purchase price.
ROI Calculator
Measure cash-on-cash return and annual ROI on a rental property investment.
1% Rule Calculator
Check whether a property passes the 1% rule screen for rental income potential.
Rent vs Sell Calculator
Compare keeping a property as a rental against selling it today.

This calculator is for informational purposes only and uses the values you provide. It does not constitute financial, investment, tax, or legal advice, and should not be the sole basis for any investment or rental decision. Verify figures independently before acting.