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Property Cash Flow Calculator

Calculate monthly cash flow, cap rate, and cash-on-cash return for a rental property.

How this is calculated
Cash flow = effective rent (after vacancy) − operating expenses − mortgage payment. Cap rate = NOI ÷ property price.

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

The property cash flow calculator finds monthly and annual cash flow, net operating income, cap rate, and cash-on-cash return for a rental property, combining rent, vacancy, operating expenses, and mortgage payment.

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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