Enter the monthly rent and your monthly costs. We compute monthly and annual pre-tax cash flow, including vacancy and a management allowance — instantly, in your browser.
This tool is provided for general educational and informational purposes only. It is not financial, tax, or investment advice and does not account for your specific situation. Confirm figures with your own analysis and a qualified professional before making decisions.
Cash flow = gross rental income minus all expenses. Start with rent and other income, subtract vacancy loss, maintenance and management reserves, mortgage (principal + interest), taxes, insurance, and HOA. What’s left is your pre-tax cash flow.
Many investors aim for at least $100–$300 per unit per month after all expenses and reserves, but targets vary by market and strategy. Positive cash flow after a realistic maintenance and vacancy reserve is the key test.
Yes. Leaving out vacancy and maintenance reserves is the most common way new investors overstate cash flow. Even a paid-off, low-turnover property should budget for both.
This tool calculates pre-tax cash flow. Your after-tax result depends on depreciation, deductions, and your tax situation — consult a tax professional.
Free tool by Hatchkeep. Related: cash-on-cash return calculator · cap rate calculator · rental ROI calculator