Cash Flow Calculator
Calculate the monthly and annual cash flow for a rental property.
Monthly Expenses
Monthly Cash Flow
-$56.00
Negative — losing money
Summary
💡 Plain English: This property costs you $56.00/mo — you're losing money. You need $56.00 more in rent or $56.00 less in expenses to break even.
About the Cash Flow Calculator
Cash flow is the money left over each month after a rental property pays for itself. Positive cash flow means the property earns more than it costs; negative cash flow means you are feeding it out of pocket. This calculator shows you the difference.
How this calculator works
Enter monthly rental income and all monthly expenses — mortgage, taxes, insurance, maintenance, property management, and a vacancy allowance. The calculator shows your monthly and annual cash flow.
The math, in plain English
Monthly cash flow = gross rental income − (mortgage + taxes + insurance + maintenance + management + vacancy allowance). Annual cash flow = monthly cash flow × 12.
Key terms
- •Gross income — total rent collected before expenses
- •Operating expenses — recurring costs of running the property
- •Vacancy allowance — a reserve for periods with no tenant
Tips & things to know
- ✓Always reserve 5–10% of rent for vacancy and maintenance to avoid surprises.
- ✓Positive cash flow gives you a buffer against repairs, turnover, and rate changes.
- ✓Raising rents or cutting expenses are the two levers that improve cash flow.
Frequently asked questions
What is positive cash flow?+
When rental income exceeds all expenses and debt service, leaving profit each month.
Is negative cash flow ever okay?+
Sometimes, if appreciation or tax benefits offset it — but it increases risk and requires outside cash.
This calculator is for educational purposes only and uses estimates. Always consult a licensed mortgage professional for advice specific to your situation.