🏠 Property Management Tools
Rental Income Calculator
Calculate your rental property's net cash flow, NOI, cap rate, and ROI after all expenses.
Property details
Typical: 5–8%
Typical: 8–12%
Monthly expenses
Enter your rental income and expenses to calculate net cash flow, NOI, and cap rate.
Frequently Asked Questions
How do I calculate net rental income?
Gross rent minus vacancy allowance (5–8%), operating expenses (taxes, insurance, maintenance, management), and debt service. Operating expenses alone typically consume 35–50% of gross rent — the "50% rule" exists for a reason.
What monthly reserves should landlords hold?
Set aside 5–10% of rent for maintenance and another 5–10% for capital items (roof, HVAC, water heater). Properties older than 20 years justify the high end.
Is my rental actually cash-flow positive?
Only if rent covers ALL of: mortgage, taxes, insurance, vacancy, maintenance, management, and reserves. Rent minus mortgage is not cash flow — it is the start of the arithmetic.
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