Investment Property Cash Flow Calculator
Monthly cashflow from an investment property.
Calculate monthly cash flow from an investment property: rent minus mortgage, taxes, insurance, and maintenance. Enter management to see monthly cashflow.
What this tool does
Enter monthly rent, mortgage, and operating costs. The tool shows monthly cashflow.
Enter Values
Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
1,800 rent minus 950 mortgage, 150 management, 120 maintenance, 80 insurance = 500 monthly cashflow. Positive cashflow is the goal — negative is speculation on appreciation. Account for vacancy (typically 5-8% per year) in your expectations.
Run it with sensible defaults
Using monthly rent of 1,800, monthly mortgage of 950, monthly management of 150, monthly maintenance of 120, the calculation works out to 500.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.
The levers in this calculation
The inputs — Monthly Rent, Monthly Mortgage, Monthly Management, Monthly Maintenance, and Monthly Insurance — do not pull with equal force. The rate and the time horizon usually dominate — compounding means a small change in either reshapes the final figure more than a similar shift in contribution size. Test this by doubling one input at a time.
How the math works
Rent minus all monthly costs. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".
Why investors run this
Most people's intuition for compounding is wrong — not because the math is hard, but because linear thinking doesn't account for curves. Running numbers through a calculator like this one is the cheapest way to recalibrate that intuition before making an irreversible decision about contribution rate, asset mix, or retirement age.
What this doesn't capture
Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.
Cashflow produces a monthly figure based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Rent minus all monthly costs.
References
Frequently Asked Questions
Is positive cashflow enough?
What's a good cashflow?
Tax impact?
Self-manage to boost?
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