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Rental Cash Flow Calculator (USA)

Analyze any rental property in seconds. See your monthly and annual cash flow, cash-on-cash return, cap rate, NOI, DSCR, and a full multi-year projection — all in one place.

For estimation purposes only. Assumes a fixed-rate loan and steady growth rates. Consult a licensed advisor before investing.
1 Property & purchase
%
0%25%50%100%
= $75,000 down · $225,000 loan
2 Rental income
%
0%10%20%
3 Operating expenses
% rent
% rent
% rent
4 Financing & growth
%
2%7%12%
yrs
yrs
%/yr
%/yr
%/yr
Monthly cash flow
—
Enter your details and click Calculate
Investment highlights
Annual cash flow —
Cash-on-cash return —
Cap rate —
Net operating income /yr —
Total cash invested —
DSCR —
Where the rent goes (monthly)
Calculate to see breakdown
Income & operations
Gross monthly rent—
Other income—
Vacancy loss—
Effective gross income—
Operating expenses—
Expense ratio—
Net operating income (monthly)—
Purchase & financing
Purchase price—
Down payment—
Loan amount—
Interest rate—
Monthly P&I—
Closing + repairs—
Total cash invested—
Returns & ratios
Monthly cash flow—
Annual cash flow—
Cash-on-cash return—
Cap rate—
Net operating income /yr—
DSCR—
Gross rent multiplier—
1% rule (rent ÷ price)—
Visualizations
Cumulative cash flow over time
Income allocation
Disclosure: This calculator provides estimates for informational purposes only and does not constitute financial, investment, or tax advice. Actual returns depend on financing terms, market conditions, vacancy, expenses, and property performance. Consult a licensed financial advisor or real estate professional before making any investment decision.