Landlord Cash Flow Calculator
Last updated: October 15, 2026
Estimate monthly and annual landlord cash flow after vacancy, expenses and debt service.
Estimated monthly cash flow
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- Estimated annual cash flow: —
- Effective monthly income: —
- Debt and operating outflow: —
On this page
Quick summary: Estimate monthly and annual landlord cash flow after vacancy, expenses and debt service.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate monthly and annual landlord cash flow after vacancy, expenses and debt service.
How to use it
Enter Monthly scheduled rent ($); Other monthly income ($); Vacancy and credit loss (%); Monthly operating expenses ($); Monthly mortgage payment ($). Select Calculate to update the results.
How the calculation works
Effective income applies vacancy loss to scheduled rent and other income. Cash flow subtracts operating costs and mortgage payment.
Worked example: starting scenario
| Monthly scheduled rent ($) | 4200 |
|---|---|
| Other monthly income ($) | 150 |
| Vacancy and credit loss (%) | 5 |
| Monthly operating expenses ($) | 1250 |
| Monthly mortgage payment ($) | 2100 |
| Estimated monthly cash flow | $782.50 |
|---|---|
| Estimated annual cash flow | $9,390.00 |
| Effective monthly income | $4,132.50 |
| Debt and operating outflow | $3,350.00 |
Important limitations
Income taxes, depreciation, reserves and irregular capital expenses are excluded unless entered.