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Home, Property & Mortgages

Rental Cash Flow Calculator

Estimate monthly and annual cash flow from a rental after vacancy, mortgage, taxes, insurance, maintenance and management fees.

Your inputs

Results

Monthly cash flow

$48.00

Annual cash flow
$576.00
Effective monthly income
$1,900.00
Total monthly expenses
$1,852.00
Break-even occupancy
92.4%

≈Estimate based on the stated model and assumptions

Inputs are never added to links for financial, salary or health calculators.

What this calculator does

Positive cash flow means the rent covers all costs with money left over. This tool itemises each cost so you can see where the money goes and the occupancy you need to break even.

Formula and method

Cash flow = rent × (1 − vacancy) − (mortgage + tax + insurance + maintenance% × rent + management% × collected rent + HOA + other)

Worked example

Calculated by this tool with its default inputs:

Inputs

  • Monthly rent: 2000 (any currency)
  • Vacancy allowance: 5 %
  • Monthly mortgage payment: 1200 (any currency)
  • Monthly property tax: 250 (any currency)
  • Monthly insurance: 100 (any currency)
  • Maintenance reserve (% of rent): 5 %
  • Management fee (% of collected rent): 8 %
  • Monthly HOA / service charge: 0 (any currency)
  • Other monthly costs: 50 (any currency)

Results

  • Monthly cash flow: 48
  • Annual cash flow: 576
  • Effective monthly income: 1,900
  • Total monthly expenses: 1,852
  • Break-even occupancy: 92.4%

How to read the results

A thin margin leaves little room for repairs or long vacancies; the break-even occupancy shows how much vacancy you can absorb.

Assumptions and limitations

  • Location-dependent costs (taxes, insurance, fees) are entered by you; the tool never assumes local rates.
  • Income tax on rental profit is not included.

Financial results are estimates based on the inputs and assumptions shown. They are not financial advice; confirm figures with your lender, provider or a qualified adviser before making decisions.

Questions

What maintenance reserve should I use?

Many investors budget 5–10 % of rent, more for older buildings.

Methodology and verification

Result type
Estimate based on the stated model and assumptions
Formula version
1.0
Automated verification
3 reference and validation test cases, checked against independently computed values. The site cannot be built if any of them fail.
Editorial review
Awaiting human editorial review. The explanation was drafted with AI assistance; the formula and examples are verified by the automated tests above.

Privacy

Everything you enter is calculated in this browser and is not sent to Numerith or anyone else. Because this calculator can involve personal financial or health details, your inputs are never added to share links or saved to history. Privacy policy