Rental Cash Flow Calculator
Monthly Cash Flow
Calculate monthly rental cash flow after all expenses
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Cash-on-Cash Return
Calculate cash-on-cash return on your rental investment
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Formula
Cash Flow = Effective Rent - (Mortgage + Taxes + Insurance + Maintenance)
Frequently Asked Questions
What is rental cash flow?
Rental cash flow is the net income from a rental property after subtracting all expenses (mortgage, taxes, insurance, maintenance, vacancy) from the rental income. Positive cash flow means the property generates profit each month.
What is a good cash-on-cash return for rental property?
A cash-on-cash return of 8-12% is generally considered good for rental properties. However, this varies by market, property type, and investment strategy. Some investors aim for higher returns in exchange for more management effort.
How do I account for vacancy in cash flow?
Multiply your monthly rent by the vacancy rate (typically 5-10%) and subtract that amount. For example, $2,000 rent with a 5% vacancy rate gives an effective rent of $1,900/month, accounting for the time the property may sit empty.
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