Cash Flow Calculator
Analyze your rental property cash flow by factoring in all income, expenses, vacancies, and reserves. Know your true monthly profit.
A rental property has healthy cash flow when monthly income still exceeds vacancy, operating expenses, financing, and reserves. I use this calculator to get a realistic baseline first, then pressure-test renewal pricing in the Rent Increase Calculator.
Income
Variable Expenses
Reserve for major replacements (roof, HVAC, appliances)
Monthly Cash Flow
$231.20
Annual: $2,774.40
Planning a renewal? Compare increase scenarios and turnover tradeoffs with the Rent Increase Calculator.
AI Investment Insights
Income vs Expenses
Vacancy Loss
-$140.00
Cash Flow Ratio
8.26%
Expense Breakdown
$2,429
per month
Monthly Summary
FAQ: rental property cash flow
What is a good cash flow target for a rental property?
I usually target positive monthly cash flow after vacancy, operating costs, mortgage, and reserves. The exact number depends on my market and risk tolerance.
Why does this calculator include vacancy and CapEx reserves?
Those costs are part of real ownership over time. Including them helps me avoid overestimating profitability based only on occupied months.
How should I use NOI versus monthly cash flow?
NOI helps compare property operations before financing. Monthly cash flow shows what is left after financing and reserve assumptions.
When should I pair this with the Rent Increase Calculator?
I use Rent Increase Calculator scenarios when I am planning renewals, because it models raise amounts against turnover and vacancy risk.
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