Rental Property Cash Flow Calculator
Learn how landlords estimate monthly rental cash flow, account for vacancy and repairs, and stress-test deals before committing capital.
Why cash flow matters
Cash flow is one of the fastest ways to see whether a rental property is actually helping your portfolio or just looking good on paper. Strong landlords do not only ask whether a property rents — they ask whether it still performs after debt service, vacancy, maintenance, and real operating costs.
How to calculate rental cash flow
Start with monthly rent and other income, then subtract vacancy allowance, mortgage payment, taxes, insurance, management, maintenance, CapEx reserves, utilities, and other monthly costs. The result is your projected monthly cash flow.
Why landlords should stress test cash flow
A property may look acceptable under ideal assumptions and still turn weak when vacancy rises or repairs hit. That is why a stress-test calculator is often more useful than a plain monthly income minus expenses formula.
Use cash flow with ROI and BRRRR analysis
Most investors get the clearest picture by combining a Rental ROI Calculator, a Cash Flow Stress Test, and when relevant a BRRRR Calculator.