What is rental cash flow?
Rental cash flow is the money left each month after rent and other income are reduced by vacancy, operating expenses, reserves, and debt service.
Cash Flow Calculator (Free, No Sign-Up)
Break down monthly income, expenses, and net cash flow.
No account. No credit card. Runs in your browser.See how this compares to DealCheck
Need a property to test?
Search live ZIP inventory first, then run the best address through this calculator before you call, bid, or spend money on deeper due diligence.
Results
No account. No credit card. Runs in your browser.See how this compares to DealCheck
Positive cash flow
- Gross income
- $2,100
- Effective income (post-vacancy)
- $2,000
- Total expenses
- $1,470
- Net monthly cash flow
- $530
- Net annual cash flow
- $6,360
- Expense ratio
- 73.5%
Worked example
How to read monthly rental cash flow
Cash flow starts with collected rent, then subtracts vacancy, fixed bills, reserves, management, and debt service.
This deal looks cash-flow positive, but only because the expense stack includes vacancy and reserves instead of just rent minus mortgage.
Monthly rent plus other income$2,100
Vacancy at 5%-$105
Mortgage, tax, insurance, and reserves-$1,480
Effective monthly cash flow$515
Estimated annual cash flow$6,180
Cash Flow Calculator FAQs
Should I include maintenance and CapEx reserves?
Yes. A property can look profitable if you ignore reserves, then lose money when repairs, turns, or big-ticket replacements arrive.
Is rent minus mortgage a reliable cash-flow shortcut?
No. It misses vacancy, taxes, insurance, management, HOA, utilities, maintenance, and CapEx reserves.
Why does vacancy matter if the property is rented now?
Vacancy is a forward-looking reserve for tenant turnover, leasing delay, and collection gaps. It keeps the estimate from depending on perfect occupancy.