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Cash Flow Analyzer

Analyze the monthly cash flow of a rental property. Enter your income and every operating cost, and this tool breaks down the monthly and annual totals, then computes your cash-on-cash return on the cash you put in.

Income

Monthly Expenses

Cash Invested

Results update as you type.

How It Works

Cash flow is the money left in your pocket after a rental property collects rent and pays every bill. This analyzer starts from your income, subtracts a vacancy allowance and all operating costs, and shows the result both per month and per year.

  • Effective income is your rent plus any extra income, minus a vacancy allowance for months with no tenant.
  • Net operating income (NOI) is effective income minus operating expenses, excluding the mortgage. It measures the property itself.
  • Cash flow is what remains after the mortgage too — the actual cash the property puts in your bank each month.
  • Cash-on-cash return divides annual cash flow by the cash you actually invested, so you can compare the property against other places to park money.
Formulas:
  • Effective Income = (Rent + Other Income) × (1 − Vacancy %)
  • NOI = Effective Income − Operating Expenses (excl. mortgage)
  • Cash Flow = NOI − Mortgage
  • Cash-on-Cash Return = Annual Cash Flow ÷ Total Cash Invested × 100

A positive cash flow means the property pays for itself and rewards you each month; a negative number means you top it up out of pocket. Everything is calculated in your browser — nothing you type leaves your device.

Tips for Investors

Read the Numbers

  • Chase strong cash-on-cash return, not just a low price
  • Watch the expense ratio — high running costs erode returns
  • NOI drives the property's resale value to other investors

Be Conservative

  • Budget realistic maintenance — older homes cost more
  • Keep a vacancy allowance even in strong rental markets
  • Factor management fees if you will not self-manage

Embed This Util

You can embed this util on your own site as a widget. Adding ?embed=1 to the URL loads a compact version with just the tool itself; no header, menu, or documentation. Paste this snippet into your HTML: 


    

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