Cash Flow Calculator
Estimate rental property cash flow after expenses and debt service.
How this calculator works
How to use this calculator
Enter monthly rent, other monthly income, operating expenses, and mortgage payment. The calculator estimates monthly and annual cash flow.
Formula used
Cash Flow = Rental Income + Other Income − Operating Expenses − Mortgage Payment
Example calculation
If rent is $2,500, other income is $100, expenses are $900, and mortgage payment is $1,200, monthly cash flow is $500.
What the result means
Positive cash flow means the property brings in more cash than it pays out each month. Negative cash flow means the owner may need to contribute extra cash.
Frequently asked questions
Does this include taxes?
It can include property taxes if you add them under operating expenses. It does not estimate personal income tax.
Should I include maintenance reserve?
Yes, adding a maintenance reserve can make the estimate more realistic.
Is positive cash flow always a good investment?
Positive cash flow is helpful, but investors should also consider location, vacancy risk, financing, appreciation, and repair needs.