Property Cash Flow Calculator
Calculate monthly cash flow, cap rate, and cash-on-cash return for a rental property.
Assumptions used in this calculation
- NOI excludes financing: Net operating income and cap rate are calculated before the mortgage payment, the standard real estate convention.
About this calculator
A rental property that looks profitable on rent alone can quietly lose money once vacancy, operating expenses and the mortgage payment are all netted out, and investors who skip that full accounting often discover the shortfall only after committing to the purchase. This calculator takes property price, monthly rent and monthly operating expenses, applies an assumed vacancy rate to get effective rent, subtracts operating expenses to find net operating income (NOI), then subtracts the mortgage payment to arrive at actual monthly and annual cash flow. Along the way it also outputs cap rate (NOI over property price, ignoring financing) so you can compare deals independent of how each is financed. Combining vacancy loss, NOI, cap rate and mortgage payment into one coherent picture by hand means juggling several formulas in sequence; this calculator does it from three simple inputs.
Worked example
₹60,00,000 property, 20% down, 9% mortgage, ₹30,000 rent, ₹5,000 expenses, 5% vacancy
Result: Cap rate ≈ 4.7%; monthly cash flow depends on financing terms
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