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Cash Flow Calculator
Cash flow is what separates good rentals from money pits. Project monthly and annual cash flow plus a 10-year forecast with realistic rent and expense growth.
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How to use this calculator
- Enter the monthly rent and your mortgage payment.
- Add insurance, maintenance, and property tax monthly.
- Set management fee % and vacancy allowance.
- Hit Calculate to see year-by-year forecast.
What your results mean
Positive cash flow means rent covers all expenses with money left over. The 10-year projection assumes 3% rent growth and 2% expense growth — broadly in line with US averages, though high-cost cities run hotter.
How to maximize rental cash flow
- Buy in markets where rent-to-price ratio is 1%+ (rent ≥ 1% of price/month).
- Refinance to a longer term to lower monthly payments — even if total interest rises.
- Bundle insurance with auto/umbrella for 10-20% discounts.
- Maintain proactively — a $300 service call beats a $5,000 emergency.
- Raise rent annually by inflation or local market, whichever is higher.