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Rental Property Cash Flow Calculator

Enter your numbers below and instantly see monthly cash flow, cap rate, cash-on-cash return, and a 10-year equity projection.

Property Details

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Monthly Expenses

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$
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Mortgage$1,703
Property Tax$280
Insurance$120
Maintenance$120
Vacancy Loss$120
Total / mo$2,343

Positive Cash Flow

+$57/ month

$682 annual cash flow — your property works for you.

9%
Gross Rent Yield
Annual rent ÷ property value
6.6%
Cap Rate
NOI ÷ property value
1.07%
Cash-on-Cash Return
Annual cash flow ÷ down payment
$21,120
Annual NOI
Income minus operating expenses
$64,000
Down Payment
$256,000
Loan Amount
$1,703
Monthly Mortgage

10-Year Projection

Assumes 3.5% annual appreciation · 3% annual rent growth

Equity Buildup

Annual Cash Flow

How to Read These Numbers

Gross Rent Yield

≥ 6%4–6%< 4%

Higher is better — but cap rate is a more accurate profitability measure since it excludes financing.

Cap Rate

≥ 5%3–5%< 3%

Compares properties regardless of how they're financed. Low cap rates appear in expensive markets — not inherently bad.

Cash-on-Cash Return

≥ 8%4–8%< 4%

Your actual return on invested cash. Below 4% you'd often be better off investing in index funds.

These numbers are projections. RentrIQ tracks actuals.

Stop guessing. Start tracking.

RentrIQ connects to your bank, logs every rent payment, and automatically calculates your real cash flow — updated every month with zero manual entry. Free forever for 1 property.

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