Rental Cash Flow & ROI Calculator

Monthly cash flow, annual cash flow and ROI on a rental after mortgage, vacancy, management and expenses.

Purchase price

What you pay for the home.Down payment

The part of the price you pay in cash. The bank lends the rest.Interest rate

The yearly interest rate on your loan.Loan term

yrs

How many years until the loan is paid off. 30 years is common.Monthly rent

What the tenant pays you each month.Vacancy

Homes sit empty sometimes between tenants. 5% means about 2–3 weeks empty per year. We subtract this from your rent.Management

What a property manager would charge, as a % of rent. Doing it yourself? You can enter 0, but many investors keep 8–10% in so the numbers still work if they hire help later.Other monthly expenses (tax, insurance, repairs)

Monthly costs other than the loan: property tax, insurance, repairs, HOA. Many investors also set money aside for big repairs later (CapEx), like a roof or water heater.Closing costs

One-time fees paid when you buy: lender, title and recording fees.

What do these mean?

Example with $2,000 rent:

5% vacancy: $2,000 × 5% = $100. That leaves $1,900 you actually expect to collect each month on average.
8% management: $2,000 × 8% = $160/mo set aside for a manager (or for your own time).

So before the loan and other costs, you’d plan on $1,900 − $160 = $1,740 a month.

Your results, explained

Monthly cash flow: Money left each month after rent (minus vacancy) pays the loan and all costs. Below zero means you pay out of pocket.
Annual cash flow: Monthly cash flow × 12.
Mortgage (P&I): Your monthly loan payment: principal (P) plus interest (I). Taxes and insurance are in “Other monthly expenses.”
Cash ROI: Yearly cash flow ÷ the cash you put in (down payment + closing costs). It shows how hard your cash is working.

Estimates only. Not financial, tax or legal advice.

Results

Monthly cash flow—

Annual cash flow—

Mortgage (P&I)—

Cash ROI—

Estimates for educational purposes only. Not legal, tax or financial advice. Results depend on your inputs and are provided as is. See our Terms.

How it works

Cash flow is what is left each month after every bill on the property is paid. It is the first number to check on any deal: a property with negative cash flow costs you money each month no matter how much it appreciates.

The formula

Cash flow = Rent × (1 − vacancy) − expenses − management − mortgage P&I
Mortgage = L × r / (1 − (1 + r)^−n), r = rate/12
ROI = annual cash flow ÷ (down payment + closing costs)

FAQ

What is good cash flow on a rental?

Many small landlords aim for $100–$300 per door per month after all expenses and reserves, but the right target depends on your market, financing and goals.

Should I include vacancy if the unit is rented?

Yes. Budgeting 5–8% for vacancy and turnover keeps your projection honest over a full year.

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Rental Cash Flow & ROI Calculator

Your results, explained

Results

How it works

The formula

FAQ

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