How do I calculate rental property cash flow?

Cash flow = Effective rent income − Mortgage − Operating expenses. Account for vacancy (typically 5–10% of rent). Positive cash flow means the property generates income above all costs.

Landlord Cash Flow Calculator

Estimate landlord cash flow after vacancy and expenses.

This tool runs in your browser. None of your data is saved or sold.

Monthly rent ($)

Mortgage payment ($)

Other monthly expenses ($)

Vacancy rate (%)

About This Calculator

Cash flow is the lifeline of rental property investing — positive cash flow means the property pays for itself and generates income; negative cash flow means you're subsidizing the property each month. This calculator accounts for mortgage, other expenses, and vacancy to show real-world cash flow.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

net cash flow = rent × (1 − vacancy) − mortgage − other expenses; annual = monthly × 12