Cash Flow Calculator
Estimate how much income a property actually produces each month and year after accounting for operating expenses and mortgage payments, so you can quickly determine whether a deal truly cash flows.
Best suited for: Landlords • Residential investors • Small commercial investors
Monthly Income
Monthly Operating Expenses
Financing
Total Monthly Income: $
Total Monthly Expenses: $
Monthly Cash Flow:
Annual Cash Flow: $
Want to evaluate overall performance? Continue to the ROI Calculator.
Understanding Your Results
Your cash flow represents the money left over after all recurring expenses and debt service are paid.
- Positive Cash Flow: The property generates income beyond its costs.
- Break-Even Cash Flow: Income roughly equals expenses, leaving little margin for error.
- Negative Cash Flow: The property requires monthly out-of-pocket support.
Cash flow is one of the most practical metrics for landlords, as it directly affects day-to-day affordability and long-term sustainability.
Next step (optional):
If you want to evaluate overall performance beyond monthly income, continue to the ROI Calculator.
How This Calculator Works
This calculator subtracts all entered operating expenses and mortgage payments from total monthly income to determine net cash flow.
Key assumptions:
- Expenses are averaged monthly for simplicity
- Vacancy losses are not automatically included
- One-time or irregular capital expenses are excluded
This tool focuses on recurring performance, not long-term appreciation or tax effects.
When to Use This Calculator
Use the Cash Flow Calculator when:
- Analyzing a rental or income-producing property
- Comparing multiple properties with similar prices
- Stress-testing rent assumptions
- Evaluating affordability before purchase
Common Mistakes This Tool Helps Avoid
- Ignoring small recurring expenses that add up over time
- Evaluating deals based only on gross rent
- Forgetting to account for management or utilities
- Assuming appreciation will offset poor cash flow
Related Tools
To continue your analysis, explore:
- Mortgage Estimator – Refine financing assumptions
- Cap Rate Analyzer – Evaluate income performance without financing
- ROI Calculator – Measure total investment return
Important Note
The tools and calculators provided on this website are for informational and educational purposes only. The calculations and results are based on the information you provide and certain assumptions, and are not guaranteed to be accurate or complete. These tools are not intended to provide legal, financial, tax, or investment advice, and you should not rely on them as such.
The results generated by these tools do not constitute a guarantee of future performance, returns, or outcomes. Your actual results may differ significantly based on your specific circumstances, market conditions, and other factors not accounted for in these calculations.
We strongly recommend that you consult with qualified professionals—such as a financial advisor, real estate agent, accountant, or attorney—before making any financial, investment, or business decisions based on the results of these tools. Your use of these tools is entirely at your own discretion, and we are not liable for any damages, losses, or adverse consequences arising from your use of or reliance on these tools.