Rental property calculator
Monthly cash flow is what's left of the rent after the mortgage and every running cost. It's the first number that tells you whether a rental pays you or you pay it.
Formula
Cash flow = rent − vacancy − tax − insurance − repairs − HOA − management − mortgage
Everything per month. The quick check below fills in typical costs; the full analysis uses yours.
Example: A $280,000 home renting for $2,700 with 20% down at 6.75%: after a $1,453 mortgage and about $800 of costs, it clears roughly $440 a month.
Quick check
Free · no signup
Monthly cash flow
$445/mo
Verdict
Looks like a good deal
Rent covers every cost with money left over each month.
- Cash flow
- $445/mo
- Cap rate
- 8.14%
- DSCR
- 1.31
Quick estimate with typical costs: property tax 1.2%/yr, insurance 0.5%/yr, 5% vacancy, 10% of rent for repairs, 30-yr loan. The full analysis uses your real numbers, adds a stress test and an AI report.
What counts as good?
Below $0
You pay in every month — a bad deal unless appreciation is the whole plan.
$0–$100
Break-even. One repair or vacancy wipes out the year.
$100–$300
Healthy for a single-family rental with financing.
$300+
Strong. Double-check the rent and expense assumptions.
Questions investors ask
What is a good monthly cash flow for a rental property?
Many investors look for at least $100–$200 per door per month after every cost, including a repair reserve and vacancy. Below $100, a single repair can erase a year of profit.
What expenses should a rental property calculator include?
Property tax, insurance, vacancy, repairs and big-ticket replacements (roof, HVAC), property management, HOA fees and the mortgage. Leaving out repairs and vacancy is the most common mistake.
What is the 1% rule?
A quick screen: monthly rent should be at least 1% of the purchase price. It's a rough filter only — taxes, insurance and interest rates decide the real cash flow.
Need the full picture?
Your real costs, closing and rehab, a ⚡ stress test and an AI investment report.
More calculators: Cap rate · DSCR · Cash-on-cash return