Track rental income after realistic costs. See monthly profit, yearly totals, margins, and break-even occupancy. Export results instantly for reviews, reports, and planning meetings.
Use realistic rent, cost, and financing assumptions for a stronger estimate.
This sample uses the default values already loaded in the calculator.
| Scenario | Monthly Rent | Occupancy | Operating Expenses | Mortgage | Monthly Net Cash Flow |
|---|---|---|---|---|---|
| Sample Duplex Unit | $1,800.00 | 94% | $849.13 | $650.00 | $263.38 |
Gross Potential Income = Monthly Rent + Other Monthly Income
Vacancy Loss = Gross Potential Income × (1 − Occupancy Rate)
Effective Gross Income = Gross Potential Income − Vacancy Loss
Management Fee = Effective Gross Income × Management Fee Rate
Capital Reserve = Effective Gross Income × Capital Reserve Rate
Operating Expenses = Management + Maintenance + Capital Reserve + Monthly Tax + Monthly Insurance + HOA + Utilities + Advertising + Admin
NOI = Effective Gross Income − Operating Expenses
Net Cash Flow = NOI − Mortgage Payment
Break-Even Occupancy = (Operating Expenses + Mortgage) ÷ Gross Potential Income × 100
Cash on Cash Return = Annual Net Cash Flow ÷ (Down Payment + Closing Costs + Initial Repairs) × 100
It represents property cash performance after vacancy, operating expenses, and mortgage payments. The page also shows NOI separately so you can compare asset performance before debt service.
Occupancy directly reduces collectible income. Even a strong rent figure can produce weak cash flow if the property sits vacant too often or turnover periods are longer than expected.
NOI excludes financing and shows operating performance. Net cash flow subtracts mortgage payments, giving a more practical view of what the investor may keep after routine property obligations.
Yes. This calculator converts annual property tax and annual insurance into monthly values automatically. That keeps them aligned with the monthly rent and monthly expense calculations.
It shows the occupancy level needed to cover both operating costs and debt payments. Lower values usually mean the investment can tolerate vacancy more comfortably.
Reserve allowances help you budget for future big-ticket items, such as appliances, roofs, flooring, or turnover work. Ignoring reserves can make a property look stronger than it truly is.
It compares annual net cash flow with the cash you invested upfront. This helps evaluate whether your down payment, closing costs, and repairs are producing enough yearly return.
Yes. Run each property separately, export the outputs, and compare margins, break-even occupancy, and cash returns across units, buildings, or acquisition scenarios.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.