Real Estate
Rental Property Cash Flow Calculator
What a rental property actually puts in your pocket each month after every expense and the mortgage — the number that separates an asset from a liability.
Inputs
- Monthly rent — Gross rent collected in a full month.
- Monthly operating expenses — Taxes, insurance, maintenance, management, vacancy allowance.
- Monthly mortgage — Principal + interest payment on the loan.
How to use this calculator
- Enter monthly rent, all monthly operating expenses, and the monthly mortgage.
- The result is the cash the property actually puts in your pocket each month.
- Include vacancy, maintenance, and management in expenses. Leaving them out is how beginners overpay.
What each term means
- Cash flow
- Rent left after operating expenses and the mortgage are paid.
- Operating expenses
- Taxes, insurance, maintenance, management, and a vacancy allowance.
- Vacancy allowance
- Money reserved for the months a unit sits empty.
Educational disclaimer: Outputs are simplified educational estimates built from the numbers you enter — they are not financial, legal, tax, or investment advice, and real decisions deserve verified figures and qualified professionals.