RPCFC

Rental Property Cash Flow Calculator

Free rental property calculator for investors and landlords. Instantly analyze cash flow, cash-on-cash return, cap rate, ROI, and deal quality. Enter your property details below for a complete rental income analysis.

Purchase Details

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Financing

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Income

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Expenses

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Deal Quality Score

15/100

Poor Deal

Monthly Cash Flow

$85

Annual Cash Flow

$1,021

Cash-on-Cash

2%

Cap Rate

6%

DSCR

1

GRM

10

Investment Summary

Total Cash Invested$65,000
Loan Amount$200,000
Monthly Mortgage$1,331
NOI (Annual)$14,946
Monthly Expenses$750
Effective Monthly Income$1,995

Deal Validation

1% Rule0.8%

Monthly rent should be ≥ 1% of purchase price

50% Rule37.6%

Operating expenses should be ≤ 50% of gross income

DSCR Check0.94

Debt service coverage ratio should be ≥ 1.25

The Most Comprehensive Rental Property Calculator

Whether you're a first-time landlord or a seasoned buy-and-hold real estate investor, our free rental cash flow calculator gives you every metric you need to evaluate deals with confidence.

Rental Cash Flow Calculator

Calculate monthly and annual cash flow after all expenses — mortgage (PITI), vacancy, property management, maintenance, CapEx reserves, HOA, and utilities. See exactly how much profit your rental property generates.

Cash-on-Cash Return Calculator

Measure your actual return on invested capital. Our cash on cash return calculator divides annual cash flow by total cash invested (down payment, closing costs, and repairs) to show your real yield.

Cap Rate & ROI Calculator

Evaluate deals using cap rate (NOI ÷ purchase price) and total ROI. Our rental ROI calculator accounts for equity buildup, cash flow, and appreciation to give you the complete picture.

Deal Quality Scoring

Automated deal analysis with the 1% rule, 50% rule, and DSCR checks. Our investment property calculator flags good and bad deals instantly so you can make data-driven decisions.

Expense Breakdown Charts

Visual pie charts and bar graphs break down every rental expense. See where your money goes — from property tax and insurance to management fees and CapEx reserves — at a glance.

Compare Multiple Properties

Side-by-side rental property analysis calculator for up to 4 properties. Compare cash flow, ROI, cap rate, and deal scores to find the best buy-and-hold real estate investment.

How the Rental Income Calculator Works

Our landlord calculator uses professional-grade formulas to analyze every aspect of your rental property investment.

Mortgage & Financing Analysis

Enter your purchase price, down payment percentage, interest rate, and loan term (15 or 30 years). The built-in mortgage payment calculator computes your exact monthly principal and interest payment, total loan amount, and complete PITI breakdown including property tax and insurance.

Income & Expense Modeling

Input your monthly rent, additional income (parking, laundry, pet fees), and vacancy rate. Our rental property profit calculator models all expenses using industry-standard percentages — property management (8–12%), maintenance (5–10%), and CapEx reserves (5–10%) — to show true net operating income.

Multi-Metric ROI Analysis

Get a complete investment picture with cash-on-cash return, cap rate, total ROI, gross rent multiplier (GRM), and debt service coverage ratio (DSCR). Each metric is color-coded so you can instantly see whether the deal meets investment benchmarks for buy-and-hold real estate.

Deal Validation Rules

Automated checks against the 1% rule (rent ≥ 1% of purchase price), 50% rule (operating expenses ≈ 50% of rent), and DSCR threshold (≥ 1.25). The profitability scorecard grades your deal from 0–100 so you know exactly where it stands before making an offer.

Frequently Asked Questions

Common questions about using our rental property analysis calculator.