Rental Property Cash Flow Calculator

Rent collected = rent × (1 − vacancy rate). Fixed costs = mortgage + property tax ÷ 12 + insurance ÷ 12 + HOA. Maintenance and management are percentages of the rent collected. Cash flow = rent collected − fixed costs − percentage costs. A negative number means the property costs you money every month before any appreciation. Example: With $2,400 rent, a $1,400 mortgage, $3,600 tax, $1,200 insurance, 8 percent maintenance, 8 percent management, and 5 percent vacancy, cash flow is $115.20 a month, or $1,382.40 a year.

The Rental Property Cash Flow Calculator takes 8 inputs and gives 4 results.

What you enter

• Monthly rent ($) — starts at 2400.
• Mortgage payment per month ($) — starts at 1400.
• Property tax per year ($) — starts at 3600.
• Insurance per year ($) — starts at 1200.
• HOA or other fixed costs per month ($) — starts at 0.
• Maintenance and repairs (% of rent) — starts at 8.
• Property management (% of rent) — starts at 8.
• Vacancy rate (%) — starts at 5.

What you get

• Monthly cash flow
• Annual cash flow
• Rent collected per month (after vacancy)
• Total expenses per month

With monthly rent 2400 $, mortgage payment per month 1400 $, property tax per year 3600 $, insurance per year 1200 $ and hoa or other fixed costs per month 0 $, the calculator returns:

Change any value above and the results update straight away.