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Debt & Housing

Rental Property Cash Flow

Estimate the monthly cash flow, cap rate, and cash on cash return of a rental from its price, rent, operating expenses, and your mortgage.
Monthly Cash Flow
$0
After expenses and mortgage
Cap Rate
0%
NOI divided by price
Cash on Cash
0%
Annual cash flow on cash in
Where Each Rent Dollar Goes
💡 Deal Check
Estimates only. Operating expenses are entered as a percent of rent and exclude the mortgage. Assumes a 30 year loan and no vacancy beyond what you build into expenses. Not investment advice.
🏛 Predictable Income

Rental Property Cash Flow Calculator

This calculator runs the three numbers every rental investor should know before making an offer: monthly cash flow, cap rate, and cash on cash return. It takes the rent, subtracts your operating expenses and your mortgage payment, and shows what is left over each month. Then it measures how hard your purchase price works through the cap rate and how hard your actual cash works through the cash on cash return. Together these tell you whether a property is a real income asset or a money pit dressed up as one.

To use it, enter the purchase price, the monthly rent, your down payment percent, your operating expenses as a percent of rent, and your mortgage rate. The hero number is your monthly cash flow, positive or negative. One stat card shows the cap rate, which ignores financing, and the other shows your cash on cash return, which reflects your real out-of-pocket money. The doughnut chart splits each rent dollar between mortgage, expenses, and the cash flow you keep.

Cash flow is what separates rentals that build wealth from rentals that quietly drain it. A property can look fine on price and rent yet lose money every month once the mortgage, taxes, insurance, maintenance, and vacancy are counted. Running these numbers before you buy keeps you from betting on appreciation to bail out a deal that never cash flowed in the first place.