Cap rate is the net operating income divided by property value, expressed as a percentage.

How is cash flow calculated?

Cash flow = rental income − operating expenses − mortgage payments.

Does this include taxes and insurance?

You can include taxes and insurance as part of operating expenses to get a complete estimate.

Rental Property Income Calculator

Calculate cash flow, cap rate, NOI, and cash-on-cash return for any rental property.

Purchase price ($)

Down payment (%)

Interest rate (%)

Loan term (years)

Monthly rent ($)

Vacancy rate (%)

Annual property taxes ($)

Annual insurance ($)

Monthly HOA fees ($)

Other monthly expenses ($)

Maintenance (% of rent)

Property management (% of rent)

Enter values and click Calculate.

Metric	Value

Estimates only. Always verify with a financial professional.

Simple Rental Property Income Calculator – CalcLifeHub

Simple Rental Property Income Calculator

Estimate monthly cash flow, annual ROI, and cap rate for a rental property.

Monthly rent ($)

Vacancy rate (%)

Monthly operating expenses ($)

Monthly mortgage payment ($)

Property value ($)

Down payment ($)

Monthly cash flow: $—

Annual cash flow: $— · Cap rate: —%

Cash on cash ROI: —%

Definitions

Cap rate = Net operating income / property value. Cash on cash ROI = Annual cash flow / cash invested (down payment).

Rental Property Income Calculator — Detailed Guide & Expert Explanation

The Rental Property Income Calculator estimates cash flow, net operating income, and return on a rental property. Instead of manually crunching numbers, you enter rent, expenses, and financing details, and the tool computes profitability. This is useful for investors and landlords.

You enter monthly rent, vacancy rate, taxes, insurance, maintenance, management fees, and loan details. The calculator outputs cash flow, NOI, and cap rate.

By automating investment math, the tool helps evaluate rental property performance quickly.

Formula & Calculation Method


      NOI = Rental Income − Operating Expenses  
      Cash Flow = NOI − Mortgage Payments  
      Cap Rate = NOI ÷ Property Value

The tool calculates rental income after vacancy, subtracts operating expenses, and computes cash flow after financing. Cap rate helps compare investment opportunities.

Real-World Use Cases

Investors analyze deals. Landlords plan budgets. Buyers compare rental markets. The tool is also helpful for evaluating refinancing or rent adjustments.

Expert Notes & Limitations

Actual expenses vary by property. The tool does not include depreciation or tax benefits. For full investment planning, consult a financial advisor or CPA.

Frequently Asked Questions

Does this include repairs?

Yes. Maintenance is included as an expense.

Is vacancy important?

Yes. It significantly affects rental income.

Does it calculate ROI?

Some versions include ROI or cash‑on‑cash return.

Does it include taxes?

Property taxes are included as expenses.

Should I include management fees?

Yes. They affect cash flow even if self‑managed.

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