No. Calculations run locally in your browser.

Rental Property Cash Flow Calculator

Q: What is a good cash-on-cash return?

Commonly cited targets are 8–12%, depending on market.

Enter a deal and see cash flow, cash-on-cash return, cap rate and DSCR instantly. Nothing is uploaded — everything runs in your browser.

Purchase & loan

Purchase price ($)

Down payment (%)

Interest rate (%)

Loan term (years)

Closing costs (% of price)

Repairs / rehab ($)

Income (monthly)

Rent ($/mo)

Other income ($/mo)

Vacancy (%)

Expenses

Property tax ($/yr)

Insurance ($/yr)

HOA ($/mo)

Maintenance (% of rent)

CapEx reserve (% of rent)

Management (% of rent)

Owner-paid utilities ($/mo)

Projection

Appreciation (%/yr)

Rent growth (%/yr)

Expense growth (%/yr)

Years to project (max 30)

Results

Monthly cash flow

Cash-on-cash return

Cap rate

NOI (monthly)

Mortgage P&I

Total cash invested

DSCR

Rent-to-price (1% rule)

Year	NOI	Cash flow	Cumulative CF	Value	Loan balance	Equity

How to calculate rental property cash flow

Cash flow = rent − vacancy − operating expenses − mortgage payment. Operating expenses include property tax, insurance, HOA, maintenance, capital expenditure reserves (roof, HVAC, appliances), property management and any utilities you pay. Net operating income (NOI) is income minus operating expenses before the mortgage.

Key metrics explained

Cash-on-cash return = annual cash flow ÷ total cash invested (down payment + closing costs + rehab).
Cap rate = annual NOI ÷ purchase price. It ignores financing, so it compares properties fairly.
DSCR (debt service coverage ratio) = NOI ÷ mortgage payment. Many DSCR lenders want 1.0–1.25 or higher.
1% rule: monthly rent ≥ 1% of price is a quick screen, not a verdict.

Common mistakes

Forgetting vacancy and CapEx, using the seller's rent numbers, and ignoring rising insurance and taxes. Use the projection table to stress-test growth assumptions.

FAQ

What is a good cash flow per door?

Many investors target $100–$300 per unit per month after all reserves, but it depends on market and strategy.

What is a good cash-on-cash return?

Commonly cited targets are 8–12%, but appreciation markets often accept less.

Is my data saved?

No. Calculations run locally. The share link stores your inputs in the URL only.

Does it include taxes on income or depreciation?

No — results are pre-income-tax. Consult a tax professional.