Real Estate Cash Flow Calculator
Monthly cash flow after mortgage and expenses.
Enter your values
Enter the monthly rent in $.
Enter the vacancy rate in %.
Enter the monthly operating expenses in $.
Enter the mortgage balance in $.
Enter the mortgage rate in % APR.
Enter the mortgage term in years.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Effective rental income
- $2,280.00
- Mortgage payment
- $1,390.55
- Monthly cash flow
- $389.45
- Annual cash flow
- $4,673.40
Quick answer
Positive cash flow means the property generates more rent than it costs to own each month, after mortgage, expenses and vacancy allowance.
Cash flow = rent - vacancy - operating expenses - mortgage payment
At a glance
| What it does | Monthly cash flow after mortgage and expenses. |
|---|---|
| Category | Real Estate |
| Inputs needed | Monthly rent, Vacancy rate, Monthly operating expenses, Mortgage balance, Mortgage rate, Mortgage term |
| Main output | Effective rental income |
| Formula | Cash flow = rent - vacancy - operating expenses - mortgage payment |
| Cost | Free — no sign-up, no download |
How to use the Real Estate Cash Flow Calculator
- 1Enter expected rent, vacancy rate and monthly operating expenses.
- 2Enter the mortgage balance, rate and term.
- 3A positive result means the property pays for itself and generates surplus cash monthly.
Inputs explained
- Monthly rent($)
- Enter the monthly rent in $.
- Vacancy rate(%)
- Enter the vacancy rate in %.
- Monthly operating expenses($)
- Enter the monthly operating expenses in $.
- Mortgage balance($)
- Enter the mortgage balance in $.
- Mortgage rate(% APR)
- Enter the mortgage rate in % APR.
- Mortgage term(years)
- Enter the mortgage term in years.
Worked example
Using the values the calculator loads with:
Inputs
- Monthly rent2400 $
- Vacancy rate5 %
- Monthly operating expenses500 $
- Mortgage balance220000 $
- Mortgage rate6.5 % APR
- Mortgage term30 years
Results
- Effective rental income$2,280.00
- Mortgage payment$1,390.55
- Monthly cash flow$389.45
- Annual cash flow$4,673.40
Frequently asked questions
What counts as operating expenses?
Property taxes, insurance, maintenance, management fees, and HOA dues — not the mortgage payment itself.
Should I include capital expenditure reserves?
Yes, it's wise to budget a reserve for big-ticket repairs even if cash flow looks positive without one.
What do I need to enter into the Real Estate Cash Flow Calculator?
Just 6 values: monthly rent, vacancy rate, monthly operating expenses, mortgage balance, mortgage rate, mortgage term. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Real Estate Cash Flow Calculator work out the answer?
Positive cash flow means the property generates more rent than it costs to own each month, after mortgage, expenses and vacancy allowance. It applies the formula Cash flow = rent - vacancy - operating expenses - mortgage payment and shows the working so you can check each step by hand.
Is the Real Estate Cash Flow Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.