Rental Cash Flow Calculator
Build a property-level rental cash flow estimate from rent, vacancy, operating costs, and debt service. Keep NOI separate from the mortgage so you can see the property's operating performance and the cash it may leave after financing.
Best for
Make the next pricing or planning decision with context
Check how timing, recurring costs, and reserves affect cash for the property scenario. It covers rental income, operating expenses, NOI, and monthly cash flow before and after mortgage payments.
Instant calculations · Editable fee assumptions · Export-ready results
Inputs
Values update results instantly. Adjust fee assumptions to match your seller dashboard.
Your figures are saved in this browser on this device.
Income
Scheduled rent before vacancy.
Parking, storage, laundry, or other property income.
Editable allowance for vacant time or unpaid rent.
Operating costs
Owner-paid utilities only.
Planning allowance applied to effective income.
Planning allowance applied to effective income.
Licensing, software, lawn care, or other recurring costs.
Financing
Debt service, including any principal and interest you want to model.
Results
Live estimates based on your inputs and editable fee assumptions.
Gross monthly income
$2,300.00
Rent plus other scheduled income.
Vacancy allowance
$115.00
Income held back for vacancy.
Effective monthly income
$2,185.00
Income after the vacancy allowance.
Operating expenses
$974.60
Expenses before mortgage debt service.
Monthly NOI
$1,210.40
Net operating income before financing.
Monthly cash flow
-$189.60
NOI minus monthly mortgage payment.
Annual cash flow
-$2,275.20
Monthly cash flow multiplied by 12.
Operating expense ratio
44.6%
Operating expenses as a share of effective income.
What this means
The property produces -$189.60 per month after $974.60 of operating expenses and $1,400.00 of debt service. NOI before financing is $1,210.40.
Rental income and cash flow
Interactive breakdown of fees, costs, and remaining profit.
Distribution
- Vacancy allowance$115.004.3%
- Operating expenses$974.6036.4%
- Mortgage payment$1,400.0052.3%
- Cash shortfall$189.607.1%
Total $2,679.20 · 4 segments · interactive
Line-item breakdown
Dollar amounts, share of revenue, and visual proportion.
- Gross monthly income
- $2,300.00
- Vacancy allowance
- $115.00
- Effective monthly income
- $2,185.00
- Operating expenses
- $974.60
- NOI before financing
- $1,210.40
- Mortgage payment
- $1,400.00
- Monthly cash flow
- -$189.60
- Annual cash flow
- -$2,275.20
- Expense ratio
- 44.6%
Assumptions used
- • Vacancy 5.0% of $2,300.00 gross income
- • Maintenance 8.0% and management 8.0% of effective income
- • Debt service $1,400.00 per month is excluded from NOI
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Explore Real Estate InvestingRental Cash Flow Calculator
Generated 9/11/2026, 3:13:33 AM · Currency USD
Inputs
- Monthly rent: 2200
- Other monthly income: 100
- Vacancy rate: 5
- Monthly property tax: 250
- Monthly insurance: 120
- Monthly utilities: 80
- Maintenance rate: 8
- Property management rate: 8
- Monthly mortgage payment: 1400
- Monthly HOA or condo fees: 75
- Other monthly expenses: 100
Results
- Gross monthly income: $2,300.00
- Vacancy allowance: $115.00
- Effective monthly income: $2,185.00
- Operating expenses: $974.60
- NOI before financing: $1,210.40
- Mortgage payment: $1,400.00
- Monthly cash flow: -$189.60
- Annual cash flow: -$2,275.20
- Expense ratio: 44.6%
Interpretation
The property produces -$189.60 per month after $974.60 of operating expenses and $1,400.00 of debt service. NOI before financing is $1,210.40.
How it works
Methodology & formulas
This calculator is transparent by design. Review the steps and formulas so you can trust the estimate and adjust assumptions when your dashboard differs.
Calculation steps
- 1Gross income = monthly rent + other monthly income.
- 2Vacancy loss = gross income × vacancy rate ÷ 100.
- 3Effective income = gross income − vacancy loss.
- 4Operating expenses = fixed costs + effective income × maintenance and management rates.
- 5NOI = effective income − operating expenses.
- 6Monthly cash flow = NOI − mortgage payment; annual cash flow = monthly cash flow × 12.
Formulas
- Gross = rent + other income
- Vacancy = gross × vacancy%
- Effective income = gross − vacancy
- NOI = effective income − operating expenses
- Cash flow = NOI − debt service
- Expense ratio = operating expenses ÷ effective income × 100
Important assumptions
- Gross monthly income equals rent plus other monthly property income.
- Vacancy loss is gross income multiplied by the editable vacancy rate.
- Maintenance and management allowances apply to effective income after vacancy.
- NOI excludes mortgage debt service. Cash flow equals NOI minus the mortgage payment.
- All results are pre-tax educational estimates, not legal, tax, lending, appraisal, or investment advice.
Sources & review
Know what this estimate is built on
This calculator is intentionally platform-agnostic, so it does not attach a platform fee URL.
Official references
No single official fee page is attached here. The model keeps these inputs editable so you can use the terms that apply to your situation.
Use the current terms
This model uses editable planning assumptions. Confirm tax, payment, financing, or operating terms with the relevant provider, official authority, or adviser for your situation.
Defaults are editable estimates. Match them to your current account, provider statement, official authority, lender, or adviser before making a pricing or investment decision.
Calculator model reviewed: August 9, 2026. This date covers the page and calculator guidance, not a guarantee that every live platform rate or term was re-audited on that date.
Worked example
A property with debt service
Monthly rent of $2,200, $100 other income, 5% vacancy, $974.60 operating expenses, and a $1,400 mortgage payment.
FAQ
Common questions
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