Rental property cash flow calculator

Rental cash flow is rent minus the full monthly stack: vacancy, management, maintenance, tax, insurance, and mortgage. Positive cash flow is not the same as a good investment, but negative cash flow on conservative inputs is usually a pass unless you have a clear value-add plan. “It will cash flow after I raise rent” is a plan only if you can show comps, not if you need the listing to work this month.

This calculator shows monthly and annual cash flow with the same rounding Rental Prop Finder uses in product. Start from the example deal, then change rent or rate. If cash flow only works after you zero out vacancy or tax, the listing is not carrying itself. Watch the mortgage line: a small rate move can erase a few hundred dollars a month faster than a 5% rent bump can restore it.

When monthly cash flow is durable, save the deal and track it. The product keeps cash flow next to cap rate and DSCR as listings move, instead of freezing one spreadsheet moment. Pair this page with the DSCR calculator if you are financing, and with cap rate if you want an unlevered view of the same numbers.

Other tools: DSCR calculator · Cap rate calculator · Cash-on-cash calculator · Rental property calculator

Go deeper: rental property analysis software · how to find rental investment properties