Rental property cash flow calculator
Enter the purchase, loan and rent details to see whether rent covers the payment and costs and what is left each month.
Loading the tool…
Processing and privacy: The result is calculated inside your browser and your data is not sent to any server.
How to use it
- Enter property price, down payment, annual interest or profit rate, loan term, monthly rent and vacancy rate.
- The result appears straight away and updates as you edit.
- Copy the result, or copy a link that keeps the same values to share it.
How it is calculated
Collected = rent x (1 - vacancy). NOI = collected - collected x management fee - fixed costs. Cash flow = NOI - payment, where payment = L x r / (1 - (1 + r)^-n).
Example
Inputs: Property price = 800,000, Down payment = 25 %, Annual interest or profit rate = 5.5 %, Loan term = 25 years, Monthly rent = 5,500. Result: Monthly cash flow: 522.48; Annual cash flow: 6,269.70; Monthly loan payment: 3,684.52.
Limits and caveats
- Excludes tax and large unexpected repairs, so keep a reserve.
- Assumes a fixed rate and the same rent all year.
Questions about this tool
What do fixed costs include?
Service charges, insurance, an allowance for routine maintenance and any bills the owner pays.
What does negative cash flow mean?
Rent does not cover the payment and costs, so you pay the gap yourself every month.
How can I improve cash flow?
A bigger down payment, a longer term or lower vacancy and costs. Each option has a trade-off to weigh.