Free tool

# Rental property cash-flow calculator

Run a transparent rental estimate from your own purchase, financing, income, expense, and workload assumptions. No account or property lookup.

Purchase and financing

Purchase price

$

Down payment

%

Mortgage interest rate

%

Loan term

years

Closing costs

$

Initial repairs and reserves

$

Income and operating costs

Monthly rent

$

Vacancy allowance

%

Property tax per year

$

Insurance per year

$

Maintenance and reserves per year

$

HOA per month

$

Property management

% of collected rent

Your time (optional)

Hours you spend per month

hrs

Value of your time

$/ hr

Runs only in your browser.

## Use the result as a screen, not a verdict

NOI excludes mortgage payments. Cash flow subtracts the estimated principal-and-interest payment, while cash-on-cash return compares annual cash flow with the down payment, closing costs, and initial repairs you entered.

Run a conservative case as well as an optimistic one. The optional time fields expose the return left after assigning a value to the hours you spend operating the property.

[See how HostHours records rental-property work →](/#what-you-get)

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Source: https://hosthours.app/free-tools/rental-property-calculator/