Skip to content
Noseberry Digitals
Free tools

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.

Your numbers

Enter every income and expense line. Results update as you type.

Monthly cash flow
$309Strong
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
Where the rent goes (per month)
Property tax$400
Insurance$150
HOA fees$0
Property management$266
Maintenance reserve$175
CapEx reserve$175
Total operating expenses$1,166
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. If you skip CapEx and maintenance, you're borrowing from your future self.

Want a deeper analysis?

Send your numbers to our PropTech team

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

Send my numbers to the team
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?

Ready to pressure-test the deal with our PropTech team?

Calculators give you the formula. We help you stress-test rent assumptions, financing, and exit scenarios. Free 30-minute consult, no pitch deck, no commitment.

See case studies

No slides. No sales pitch. Just a focused strategy call.

Cash Flow Calculator, Noseberry Digitals