Rental Cashflow Calculator
Calculate your net monthly and annual rental cashflow after mortgage and expenses.
Rental Cashflow Calculator
Calculate your net monthly and annual rental cashflow after mortgage and expenses.
Real-World Examples
Rent: $2,400, mortgage: $1,400, expenses: $400
Monthly: +$600, Annual: +$7,200
Rent: $1,800, mortgage: $1,500, expenses: $300
Monthly: $0, Annual: $0
Rent: $1,600, mortgage: $1,500, expenses: $300
Monthly: -$200, Annual: -$2,400
Common Mistakes to Avoid
Underestimating expenses
Fix: Real expenses include taxes, insurance, maintenance, property management (8-12% of rent), vacancy reserve (5-10%), and capital expenditures (5-10%). Many landlords underbudget and overstate cashflow.
Forgetting to reserve for vacancies
Fix: Even reliable tenants move out. Budget for 1-2 months of vacancy per year (8-16% of rent) so a gap between tenants does not turn a positive property negative.
Ignoring capital expenditures
Fix: Roofs, HVAC, and water heaters fail eventually. Set aside 5-10% of rent monthly for capex, separate from routine maintenance, to avoid large surprise costs.