Real Estate
Rental Property Cash Flow Calculator
Rent minus every expense — what actually hits your account each month.
Free rental cash flow calculator. Enter monthly rent, mortgage, taxes and insurance, and operating costs to see your monthly and annual cash flow on a rental property.
Cash flow = rent − every expense. Don't forget vacancy and maintenance reserves — leaving them out makes a deal look positive when it isn't.
How it works
Enter the rent
Input the property's gross monthly rental income.
Enter your expenses
Add the mortgage payment, taxes and insurance, and other operating costs (management, maintenance, vacancy reserve).
Read your cash flow
The calculator returns total monthly expenses, monthly cash flow, and annual cash flow.
Frequently asked
How do you calculate rental cash flow?
Cash flow = gross rent − all expenses (mortgage, taxes, insurance, management, maintenance, and a vacancy reserve). What's left is your monthly cash flow; multiply by 12 for annual. Positive cash flow means the property pays you each month after every cost.
What expenses do investors forget?
The big misses are vacancy (no property stays rented 100% of the time), maintenance/capital reserves, and property management — even if you self-manage, budget for it. Leaving these out makes a deal look cash-flow positive when it isn't.
What's good monthly cash flow per unit?
Many investors use rules of thumb like $100–$200+ per unit per month, but the right target depends on your market, price point, and risk tolerance. The key is that the number is positive after honest expense estimates, including reserves.
Is cash flow the same as profit?
Not exactly. Cash flow is the money left after cash expenses each month; it doesn't include appreciation, loan paydown (equity), or tax benefits, which are real returns that don't show up in monthly cash flow. Cash flow is the liquidity piece of the total return.