Rental Property Cash Flow Calculator

Run the full income, expenses, and mortgage numbers for a rental property to see if it cash-flows positively each month.

Property & financing

Purchase price

Down payment

Mortgage rate

Amortization (yrs)

Income

Gross monthly rent

Vacancy rate

Monthly expenses

Property tax

Insurance

Condo / strata fees

Maintenance / repairs

Property mgmt (% of rent)

Capex reserve (% of rent)

Monthly cash flow

−$370

-$4,441 per year · -3.0% cash-on-cash return

Effective monthly rent (after vacancy)$3,040

Operating expenses− $930

Net operating income (NOI)$2,110

Mortgage payment− $2,480

Monthly cash flow−$370

Gross yield6.40%

Cash-on-cash return-2.96%

Excludes principal paydown, appreciation, and tax effects (CCA, deductions). Most Canadian markets struggle to cash-flow positively today — many investors accept negative cash flow betting on appreciation.

The information presented on HousingPortal.ca is intended for general illustrative purposes only. While the information is believed to be reliable, it cannot be guaranteed for accuracy, completeness, or currency. Neither HousingPortal.ca and its employees, nor any other party identified in this guide/report, assumes any liability for the information provided. The views and opinions expressed by the analysts at HousingPortal.ca are their own and should not be considered as investment advice. It is recommended that you seek the advice of a licensed real estate professional before making any decisions regarding real estate investments.