Real Estate Cash Flow Calculator
Use our free Cash Flow Analysis Calculator to run the numbers before you buy or lease your next investment property. Whether you’re a first-time investor or managing a growing portfolio, this tool helps you understand income, expenses, and returns so you can make informed decisions.
Why Use a Cash Flow Calculator?
Real estate investing is all about the numbers. A property might look good on the surface, but the true performance comes down to monthly cash flow, net operating income, and long-term returns. Our calculator breaks down every factor that impacts your bottom line:
Property purchase and financing details
Gross rental income and additional revenue streams
Operating expenses and reserves
Key investment metrics including cap rate, cash-on-cash return, and DSCR
This way, you can see how profitable (or risky) a deal is before you commit.
Property Details
Start with the basics—purchase price, down payment, and closing costs. These figures establish your total cash investment and loan amount, the foundation for measuring returns.
Rental Income
Input your monthly rent along with any extra income streams like pet fees, parking, storage, or laundry. The calculator automatically totals your gross monthly income, giving you a clear picture of potential revenue.
Mortgage Details
Every investor needs to know their monthly mortgage payment. Enter principal, interest, loan terms, or adjust manually to match your Monthly Payment.
Operating Expenses
Factor in the costs that eat into profit. The calculator accounts for:
Vacancy reserves
Property management fees
Leasing costs
Property taxes & insurance
HOA dues
Repairs & maintenance reserves
Utilities (owner-paid)
CapEx reserves for big-ticket items
Miscellaneous costs (landscaping, pest control, admin)
This provides a realistic look at net income, not just gross rent.
Key Metrics
Get instant calculations on the numbers that matter most to investors:
Net Operating Income (NOI) – annual profit before financing
Cap Rate – property yield compared to price
Cash-on-Cash Return – ROI based on your cash invested
Debt Service Coverage Ratio (DSCR) – ability to cover debt payments
Monthly & Annual Cash Flow – what’s left in your pocket
Scenario Analysis
Markets change—rents rise, expenses shift. Test rent increases to see how small changes impact your cash flow. Understand how your deal performs today and in future conditions.
Break-Even Analysis
Find out the rent amount required to break even on your property. This helps you measure risk and set realistic goals for occupancy and rental growth.
Investment Summary
At the end, you’ll get a snapshot of your deal:
Total cash investment
Loan amount
Rent-to-payment ratio
Gross rent multiplier
It’s a quick way to compare deals side by side.
Disclaimer
This calculator is for educational and estimation purposes only. Real estate investing involves risk, and actual results may vary. Always consult with a licensed professional before making purchase decisions.
Next Step: Run the Numbers with a Pro
Want a second opinion on your deal? Our in-house investment specialists can help you analyze cash flow, compare financing options, and spot opportunities other investors miss.
Deal Smith Realty LLC
551 S Interstate Highway 35 #300
Round Rock, TX 78664
(512) 377-6586
DRE#: 714810