Calculate monthly cash flow, annual rental profit, operating costs, mortgage drag, net yield and cash-on-cash return for investment property analysis.
Enter rent, annual costs and financing to estimate monthly cash flow and actual property return.
| Scenario | Monthly cash flow | Net annual | Net yield | CoC return |
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| Year | Collected rent | Total costs | Net annual | Monthly cash flow |
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This calculator estimates rental property cash flow after vacancy, operating costs and financing. It shows monthly cash flow, annual profit, net yield and cash-on-cash return, which makes it useful both for screening deals and for testing live portfolio assumptions.
Yield can look attractive while monthly cash flow remains weak after financing. This calculator keeps both layers visible, so the property can be judged as an asset and as a cash-producing holding at the same time.
Use realistic occupancy and cost assumptions. If you want a pure operating view, exclude mortgage. If you want an owner cash flow view, include mortgage. The most useful outputs are monthly cash flow, net annual income and cash-on-cash return together.