Rental Property Cash Flow Calculator

Calculate monthly net cash flow, cash-on-cash return, and cap rate for a rental property after mortgage, taxes, insurance, and reserves.

Monthly Rent ($)

Other Monthly Income ($)

Mortgage Payment ($)

Property Tax (monthly) ($)

Insurance (monthly) ($)

Vacancy Rate (%)

Management Fee (%)

Maintenance Reserve (%)

CapEx Reserve (%)

Total Cash Invested ($)

Property Value ($)

Tab to move between fields

Monthly Cash Flow

$8.00

Annual Cash Flow

$96.00

Cash-on-Cash Return

0.16%

Effective Gross Income (monthly)$1,900.00

Operating Expenses (monthly)$692.00

Monthly NOI$1,208.00

Cap Rate4.83%

Operating Expense Ratio36.42%

Meets 1% Rule (0/1)0

Annual Gross Income$24,000.00

How to Use This Calculator

Enter monthly rent ($) and any other monthly income ($) (parking, laundry, storage).
Enter your PITI mortgage payment ($), property tax (monthly $), and insurance (monthly $).
Set vacancy rate (%) and add utility, management, and repair reserve expenses.
Review monthly NOI (net operating income) and monthly cash flow after debt service.
Check cash-on-cash return and annual cash flow to evaluate the investment's performance.

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