Rental Property Cash Flow Calculator

Estimate monthly cash flow, cap rate, and cash-on-cash return before you buy. All calculations happen in your browser — nothing is sent anywhere.

Purchase price ($)

Down payment (%)

Mortgage rate (% APR)

Loan term (years)

Monthly rent ($)

Vacancy rate (%)

Annual property tax ($)

Annual insurance ($)

Maintenance (% of rent)

Property management (% of rent)

CapEx reserve (% of rent)

Other monthly costs ($)

Rules of thumb: aim for positive cash flow after all expenses including reserves. The 1% rule (rent ≥ 1% of price) is a screening shortcut, not a decision tool — this calculator is the decision tool. See how to price your rental and rental tax deductions.