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Property Cash Flow Calculator
Check whether a rental property puts money in your pocket each month or takes it out.
How this calculator works
Enter the rent you collect each month and all your monthly expenses. The calculator subtracts expenses from rent. A positive number is positive cash flow, a negative number means you are paying to hold the property. Include the mortgage payment, property tax, insurance, maintenance, vacancy allowance, management fees and any HOA dues.
Example
A rental brings in $2,300 a month and costs $1,750 a month to own and operate. The calculator shows: Cash Flow: $550.00.
Tips
- Set aside money every month for repairs and for months with no tenant, even if you have not had any yet.
- Compare this number with the Cap Rate and Rental ROI calculators to see the whole picture.
- Positive cash flow is a cushion against rate changes and vacancies. Slim or negative cash flow leaves little room for error.
Common questions
What expenses people forget most often?
Vacancy, repairs and capital items like a roof or water heater. Spreading these costs across the year gives a more honest monthly figure.
Is cash flow the same as profit?
Not exactly. Paying down your mortgage principal builds equity but does not show up as profit here, and depreciation and taxes are not included.
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Results are estimates only. See our disclaimer.