Landlord Cash Flow Calculator

What this calculator estimates

Estimate monthly and annual landlord cash flow after vacancy, expenses and debt service. The calculation runs locally in your browser and is intended for planning and comparison.

How to use it

Enter the requested values, select Calculate, review the headline result and supporting figures, then change one input at a time to compare another scenario.

How the calculation works

Effective income applies vacancy loss to scheduled rent and other income. Cash flow subtracts operating costs and mortgage payment.

Input checklist

The Landlord Cash Flow Calculator uses the values shown in its form. Before calculating, check each input independently so an incorrect unit or time period does not carry through to the final result.

• Monthly scheduled rent ($): verify that this value uses the unit, period, and definition shown by the calculator.
• Other monthly income ($): verify that this value uses the unit, period, and definition shown by the calculator.
• Vacancy and credit loss (%): verify that this value uses the unit, period, and definition shown by the calculator.
• Monthly operating expenses ($): verify that this value uses the unit, period, and definition shown by the calculator.
• Monthly mortgage payment ($): verify that this value uses the unit, period, and definition shown by the calculator.

Practical interpretation

Use the Landlord Cash Flow Calculator result as the answer to the specific inputs entered, not as a universal value. The calculation currently described on this page is: Effective income applies vacancy loss to scheduled rent and other income. Cash flow subtracts operating costs and mortgage payment. Change one important input at a time when comparing scenarios so you can see which assumption actually drives the difference.

Checks before relying on the result

The result depends on the values and units entered. Recheck the inputs and compare the estimate with the real-world source or rule that applies to your situation. Recalculate when a key value changes, and keep the original inputs with the result if you need to reproduce or compare the calculation later.

Important limitations

Income taxes, depreciation, reserves and irregular capital expenses are excluded unless entered.

Frequently asked questions