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Rental Property Calculator

Monthly cash flow, cap rate and cash-on-cash on a rental.

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Purchase and financing

Income

Operating expenses, monthly

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Monthly cash flow

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Cap rate—
Cash-on-cash return—
Gross yield—
One percent rule—
Effective gross income—
Operating expenses—
Net operating income—
Mortgage payment—
Cash invested—

Quick Tool Overview

The Rental Property Calculator itemises every cost a landlord actually carries — vacancy, maintenance, capital reserves, management, tax and insurance — and reports the monthly cash flow that survives them, alongside the cap rate, gross yield and cash-on-cash return.

What it does
Calculates real monthly cash flow and yield on a rental
You give it
Price, financing, rent and every operating expense
You get back
Monthly cash flow, cap rate, gross yield and cash-on-cash return
Best for
Screening a rental before you make an offer
Calculators Free, unlimited use No sign-up Runs in your browser

About the Rental Property Calculator

Enter the price, the financing and the rent, then every operating cost, and the calculator gives the monthly cash flow the property would actually produce, along with the cap rate, the cash-on-cash return and the gross yield.

Most rentals that lose money do so because of the expenses nobody budgeted. Vacancy is the first: a property is not rented every month of every year. Then maintenance, capital expenditure for the roof and the furnace that will eventually need replacing, management if you are not doing it yourself, and the tax and insurance that rise every year. This calculator asks for all of them as separate lines, because a cash flow number that omits them is not a cash flow number.

Key features of the Rental Property Calculator

Vacancy allowance built in

A property is not rented every month of every year, and a cash flow figure that assumes it is will be wrong.

Capital expenditure as its own line

The roof and the furnace will need replacing, so they belong in the monthly numbers rather than as a surprise.

One percent rule checked

A quick screen shown alongside the full analysis, so you can see how the shortcut compares.

Expenses itemised, not estimated

Each cost is a separate field rather than a blanket percentage, because the blanket is what hides losses.

Cash-on-cash on real cash

The return is measured against your down payment, closing costs and rehab, not against the purchase price.

How to use the Rental Property Calculator

  1. 1

    Enter price and financing

    The purchase price, your down payment, the mortgage rate and term.

  2. 2

    Enter the rent and vacancy

    Monthly rent, and the percentage of the year you expect the property to sit empty.

  3. 3

    Itemise every expense

    Tax, insurance, management, maintenance, capital reserves, HOA dues and utilities you pay.

  4. 4

    Read the cash flow

    Positive means the property pays for itself; check the cap rate and cash-on-cash alongside.

Frequently asked questions

A quick screen suggesting monthly rent should be at least one percent of the purchase price. It rarely holds in expensive markets, so treat it as a filter for which deals deserve a full analysis rather than a requirement.

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