Rental Cash Flow Calculator
Estimate monthly cash flow, cap rate, and cash-on-cash return before you buy. Adjust any input to see the numbers update instantly. Free, no signup.
Monthly cash flow
$5.53
$66.36 per year
- Cash-on-cash return
- 0.11%
- Cap rate
- 6.41%
- Monthly mortgage (P&I)
- $1,330.60
- Net operating income / yr
- $16,033.56
- Operating expenses / mo
- $753.87
- Total cash invested
- $62,500.00
Not legal advice. LandlordKit provides general informational tools, not legal advice. Landlord-tenant laws change and vary by city and county. Verify the cited statute and consult a licensed attorney before acting on any result.
Frequently asked questions
How do you calculate rental property cash flow?+
Cash flow = effective rental income − operating expenses − mortgage payment. Operating expenses include taxes, insurance, maintenance, management, vacancy, and capital reserves, but not the mortgage (that's financing).
What is a good cash-on-cash return?+
Many investors target 8–12% cash-on-cash, though it depends on the market and your goals. The calculator divides your annual cash flow by the total cash you invested (down payment + closing + rehab).
What's the difference between cap rate and cash-on-cash?+
Cap rate = net operating income ÷ purchase price (ignores financing). Cash-on-cash = annual cash flow ÷ cash invested (includes your mortgage). Both are shown here.