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Cash Flow Calculator

The most complete monthly cash-flow model for rental property, every real expense category investors actually pay. See where the rent actually goes and whether the deal pencils after reserves.

Monthly Cash Flow

$309

↑ Strong

Monthly gross rent
USD / month
Other monthly income
USD / month

Parking, laundry, storage, pet rent.

Vacancy rate
%

Underwrite at least 5% even in tight markets.

Property tax (annual)
USD / year
Insurance (annual)
USD / year
HOA fees (monthly)
USD / month
Property management fee
% of collected rent

Underwrite 8%–10% even if you self-manage.

Maintenance reserve
% of monthly rent
CapEx reserve
% of monthly rent

Roof, HVAC, water heater, flooring — they all wear out.

Mortgage payment (PI only)
USD / month

Principal + interest only. Tax and insurance are above.

Effective gross income
$3,325
Operating expenses
$1,166
NOI (monthly)
$2,159
Annual cash flow
$3,708
OpEx ratio
35.07%
Mortgage (PI)
$1,850
How this is calculated

EGI = (Gross rent + Other income) × (1 − Vacancy%)

OpEx = Tax/12 + Insurance/12 + HOA + Mgmt%·EGI + Maint%·Rent + CapEx%·Rent

Cash flow = EGI − OpEx − Mortgage (PI)

Cash flow is what hits your account after every reserve. Skip CapEx and maintenance and you're borrowing from your future self.

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We'll stress-test your rent, vacancy, and reserve assumptions and compare against live submarket data. Free 30-minute consult.

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FAQ

Common questions

What's a good monthly cash flow target?

Most disciplined long-term-rental investors target $150–$300 per door per month after every reserve is fully funded. Anything above that is a strong yield; anything negative is speculative and depends on appreciation to make the deal work.

Should I include CapEx and maintenance reserves separately?

Yes. Maintenance covers turn costs and small repairs (5–8% of rent is typical), while CapEx covers big-ticket replacements like roofs, HVAC, and water heaters (another 5–10%). Bundling them hides the fact that the major-systems clock is always ticking.

How is this different from cash-on-cash return?

Cash flow is the dollars in your pocket each month. Cash-on-cash divides your annual cash flow by the actual cash you put into the deal, it tells you whether the equity you tied up is earning its keep relative to other investments.

What if my mortgage isn't fixed?

Run the calculator at today's payment, then re-run it at the worst-case rate cap on your ARM or the rate you'd refinance into. If the deal still cash-flows in the stress case, you have margin; if it doesn't, you're betting on rates falling.
Need help interpreting your numbers?

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