Rental Property Cash Flow Calculator
Calculate monthly cash flow for your rental properties. See exactly how much money you'll take home each month after all expenses.
Income
Expenses
How the Cash Flow Calculator Works
Enter Monthly Rent
Input your total monthly rental income.
Add All Expenses
Include mortgage, taxes, insurance, utilities, and other costs.
See Your Cash Flow
Get your monthly profit or loss after all expenses.
Understanding Cash Flow
What is Cash Flow?
Cash flow is the net amount of money you receive each month after paying all expenses. It's the most important metric for rental property investors.
Cash Flow Formula:
Cash Flow = Monthly Rent - All Monthly Expenses
Why Cash Flow Matters
Positive cash flow provides regular income
Helps cover unexpected repairs and vacancies
Allows you to save for future investments
Reduces financial stress during market downturns
Frequently Asked Questions
What expenses should I include?
Include all monthly costs: mortgage payment, property taxes, insurance, utilities (if paid by landlord), maintenance, property management fees, HOA fees, and any other regular expenses.
Is negative cash flow always bad?
Not necessarily. Some investors accept negative cash flow if they expect strong appreciation or if the property is in a high-growth area. However, positive cash flow is generally preferred for long-term sustainability.
How much cash flow should I aim for?
Most landlords aim for $200-500 per month in positive cash flow per property. This provides a buffer for vacancies, repairs, and other unexpected expenses.
Should I include vacancy in my calculations?
Yes, it's wise to factor in some vacancy. Consider using 90-95% of your expected rent to account for occasional vacancies and late payments.
Related Property Management Tools
Ready to Manage Your Properties Like a Pro?
Join thousands of landlords using TenantPing to streamline their rental business.