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Rental Property Cash Flow Calculator (2025)
Calculate the monthly and annual cash flow of any rental property after all expenses, mortgage, vacancy, and management fees.
Investment Returns
-5.44%
Cash-on-Cash Return
$3,261
Annual Cash Flow
9.60%
Gross Yield
Negative cash flow of -$272/mo — property relies on appreciation.
Analysis & insights
Your monthly expenses is 2,479.755, based on the inputs above. Loan and credit decisions compound over years. Small rate or term changes have outsized lifetime impact.
Calculation summary
Result derived from 3 inputs. Adjust any one to test sensitivity.
Risk & benchmark gauge
Current band
Moderate
Monthly Expenses: 2,479.755
Industry benchmarks
- Mortgage1,678
- Effective Rent$2,208
- Monthly Expenses2,480
- Monthly Cash Flow-272
- Annual Cash Flow-$3,261
- Cash On Cash-5.44
Key insights
Time + rate compound
In long-horizon money math, small changes in rate or time produce outsized changes in the final number. Try ±1% on the rate to see sensitivity.
Sensitivity testing
Adjust each input by ±10% to find the most impactful variable — that's the one to focus your real-world decisions on.
Recommended actions(4)
Test the realistic range of each input
High priorityTry the lowest and highest realistic value for each input. The spread of results is the range you should actually plan for — point estimates lie.
Impact: Reveals which inputs matter most and where uncertainty hides.
Compare against published benchmarks
Medium priorityWhatever you're calculating, there's likely an industry benchmark for it. Google "[topic] average" or "[topic] median" to sanity-check the result.
Save or download a copy
Medium priorityFor calculators that offer it, use "Download report (PDF)" to keep a snapshot. Otherwise screenshot the inputs + result before navigating away.
This tool is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a qualified financial professional for advice specific to your situation.