Rental Cash Flow Calculator
Monthly cash flow waterfall: rent → vacancy → operating expenses → reserves → debt service, with per-line visibility.
Formula
The lines newbies skip — vacancy, management (even self-managed: your time), and 10% capex reserve — are exactly what turn paper profits into real losses. A roof or HVAC arrives every decade whether you reserved for it or not.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need rental cash flow calculator results fast? Analysts, founders, traders and finance professionals use the Rental Cash Flow Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Rental Cash Flow Calculator
Monthly cash flow waterfall: rent → vacancy → operating expenses → reserves → debt service, with per-line visibility. The lines newbies skip — vacancy, management (even self-managed: your time), and 10% capex reserve — are exactly what turn paper profits into real losses. A roof or HVAC arrives every decade whether you reserved for it or not. The governing relationship is CF = rent×(1−vac) − mgmt − reserves − tax/ins − P&I. The Rental Cash Flow Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Rental Cash Flow Calculator
- 1Enter Monthly rent (currency), Vacancy allowance (%), Property management (% of rent), Taxes + insurance (monthly) (currency), Repairs + capex reserve (% of rent), Mortgage payment (P&I) (currency) into the Rental Cash Flow Calculator.
- 2The result is computed automatically using CF = rent×(1−vac) − mgmt − reserves − tax/ins − P&I — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Rental Cash Flow Calculator?
- ✓Computes rental cash flow calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Rental Cash Flow Calculator?+
Rental Cash Flow Calculator uses CF = rent×(1−vac) − mgmt − reserves − tax/ins − P&I. The lines newbies skip — vacancy, management (even self-managed: your time), and 10% capex reserve — are exactly what turn paper profits into real losses. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Rental Cash Flow Calculator need?+
Enter Monthly rent (currency), Vacancy allowance (%), Property management (% of rent), Taxes + insurance (monthly) (currency), Repairs + capex reserve (% of rent), Mortgage payment (P&I) (currency) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Rental Cash Flow Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Rental Cash Flow Calculator?+
A roof or HVAC arrives every decade whether you reserved for it or not.
What is the Rental Cash Flow Calculator based on?+
The method follows authoritative sources: BiggerPockets — conservative underwriting norms. The formula and references are shown on the page so you can verify and cite the result.
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