Free tool · for small & accidental landlords
Rental Cash-Flow Calculator for Landlords
Rent collected isn't the same as money made. This rental cash-flow calculator tells you whether one unit actually puts money in your pocket — after the whole mortgage payment, property tax, insurance, and everything else. Because the rent is only the headline: once the costs come out, a rental that looked great can cash-flow thin, or negative. Enter the monthly rent and your monthly costs, and this landlord cash-flow calculator returns your total monthly expenses, your monthly and annual cash flow, and a cash-on-cash return on the money you invested. Use it right here in your browser, or download the spreadsheet to keep.
Rental Cash-Flow Calculator
The income
The monthly costs
Cash invested (optional)
What the unit cash-flows
What this unit puts in your pocket each month, after the mortgage
Rent isn't cash flow, and cash flow isn't your taxable income — at tax time only the mortgage interest and depreciation are deductible, not the whole payment. Pre-filled with an example; replace it with your own unit. Nothing is sent anywhere, and nothing is saved. (Illustrative — not tax, accounting, investment, or legal advice.)
Take it with you — free, no signup
Direct download. No email, no account — just the files.
What it does
- Adds up what one unit costs you each month — the whole mortgage payment, property tax, insurance, and everything else.
- Returns your monthly and annual cash flow — what actually lands in your pocket after the mortgage.
- Works out a cash-on-cash return on the down payment, closing, and rehab you put in.
- Runs entirely in your browser — nothing is sent anywhere, and nothing is saved.
Own it, don't rent it
Want the whole rental, not just one snapshot?
This free tool is one snapshot of one unit. The full workbook runs the whole rental — a rent ledger that flags who's paid or late, an expense log by Schedule-E category, a lease-and-deposit tracker with renewal countdowns, a maintenance log that splits repairs from depreciable improvements, and a dashboard with cap rate, cash-on-cash, and a Schedule-E year-end summary, in one connected spreadsheet (Excel, Google Sheets, or LibreOffice) plus five guides.
A one-time purchase you keep and reuse on every unit — the structured workbook between a blank spreadsheet and property-management software built for hundreds of doors.
A business and record-keeping aid, not tax, accounting, investment, or legal advice. Every figure is illustrative — landlord-tenant and tax rules differ by state and year, so enter your own current numbers. Free to use; please don't resell or redistribute.