Property Cash Flow Calculator
Work out the monthly cash flow of a rental from rent, expenses, and the mortgage payment.
What this calculator does
The Property Cash Flow Calculator estimates your result instantly from the values you enter, using standard real estate formulas. Work out the monthly cash flow of a rental from rent, expenses, and the mortgage payment. Calculations run in your browser, so nothing you type is sent to a server, and the output is an estimate for planning rather than financial advice.
Result
About Property Cash Flow Calculator
The Property Cash Flow Calculator shows the monthly cash flow a rental property produces by subtracting its monthly operating expenses and its monthly mortgage payment from the rent it collects. Enter the three figures the form asks for and it returns the monthly cash flow along with the same figure annualized over twelve months.
The math is deliberately simple and transparent: cash flow is rent minus expenses minus mortgage, and the annual figure is that monthly result multiplied by twelve. There are no hidden assumptions, no vacancy factor, and no financing model beyond the single mortgage payment you supply — the tool reports exactly what your three inputs imply.
Enter the monthly rent, the monthly expenses, and the monthly mortgage payment, press Calculate, and read the monthly and annual cash flow the property generates from those numbers.
Formula & Mathematical Calculation
Monthly Cash Flow = Monthly Rent − Monthly Expenses − Monthly Mortgage
Annual Cash Flow = Monthly Cash Flow × 12
Calculation Example
A unit renting for $2,000 per month with $500 of monthly expenses and an $1,100 monthly mortgage payment produces $2,000 − $500 − $1,100 = $400 per month in cash flow, or $400 × 12 = $4,800 per year.
Key Benefits
- Reports monthly cash flow directly from rent, expenses, and mortgage with no hidden assumptions.
- Annualizes the monthly result by multiplying by twelve so you see the yearly figure at once.
- Handles negative cash flow the same way, showing the shortfall when costs exceed the rent.
- Uses exactly the three fields on the form, so the result is fully determined by your inputs.
How to Use this Calculator
-
Enter the monthly rent
Type the gross rent the property collects each month in the Monthly Rent field, for example 2000. -
Enter the monthly expenses
Type total monthly operating costs — taxes, insurance, maintenance, and management — in the Monthly Expenses field, for example 500. -
Enter the monthly mortgage
Type the monthly mortgage payment in the Monthly Mortgage field, for example 1100. -
Press Calculate
The tool subtracts expenses and mortgage from rent to show monthly cash flow, then multiplies by twelve for the annual figure.
Assumptions & Limitations
What the calculation assumes
- Every value you enter is treated as an exact, known amount.
- Rates and contributions are assumed to stay constant for the whole period unless the form asks for them separately.
- Results use standard financial formulas and ignore fees, penalties and promotional terms that are not entered above.
- Inflation, tax changes and market volatility are not modelled unless a field for them is provided.
- Amounts are unit-agnostic: results are returned in the same currency you enter.
What it does not cover
- Property Cash Flow Calculator produces estimates for education and planning, not a quote, offer or professional advice.
- Real-world outcomes differ when fees, taxes, rounding rules or provider-specific terms apply.
- Local regulations and tax rules vary by country and change over time; verify current rules for your jurisdiction.
- Figures are only as accurate as the inputs you supply — check them before acting on the result.
- For decisions with lasting financial impact, confirm the numbers with a qualified professional.
Frequently Asked Questions
Free to use, no account needed. Calculations run in your browser, so nothing you type is sent to a server. Results are estimates — how we build and check our calculators.
You May Also Need
Next step: browse the full Real Estate calculators or read the related guides for context before you decide.