Rental Property Cash Flow Calculator | Predictable Income

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Rental Property Cash Flow

Analyze the true cash flow, cap rate, and ROI of any rental property investment.

The Property

Purchase Price ($)

Down Payment ($)

Closing Costs ($)

Rehab / Initial Repairs ($)

The Loan

Interest Rate 7.0%

Loan Term 30 yrs

Monthly Income & Expenses

Monthly Rent ($)

Property Tax / mo ($)

Insurance / mo ($)

HOA / mo ($)

Vacancy Rate 5%

Property Management 8%

Maintenance + CapEx Reserve 10%

Monthly Cash Flow

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Cap Rate

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NOI ÷ purchase price

Cash-on-Cash ROI

—

annual CF ÷ cash invested

1% Rule

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Monthly Breakdown — Where the Rent Goes

Category

Monthly

Gross Rent

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Vacancy Loss

—

Property Tax

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Insurance

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HOA

—

Property Management

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Maintenance + CapEx

—

Mortgage Payment (P&I)

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Net Cash Flow

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With — total cash invested, this property returns — cash-on-cash annually. A property that meets the 1% rule typically cash flows in most markets.

Rental Property Cash Flow Calculator

Before buying any rental property, you need to know the real numbers, not the seller's pro forma. Our Rental Property Cash Flow Calculator walks through every line item that determines whether a deal actually makes money, from purchase price and down payment to vacancy rate, property management fees, and maintenance reserves. Enter your expected rent, operating expenses, and loan terms, and the calculator returns your monthly cash flow, annual cash flow, cap rate, cash-on-cash ROI, and a quick check on the classic 1% rule. A full breakdown shows exactly where every dollar of rent goes, from taxes and insurance to your mortgage payment and net cash flow. Most new investors skip the vacancy and CapEx reserves and convince themselves a deal cash flows when it doesn't. This tool forces you to model the deal the way experienced landlords do, which is the difference between a rental that builds wealth and one that quietly drains your bank account.