Calculator

Rental cash flow calculator

Estimate monthly cash flow after mortgage.

The short answer

$14,800 NOI against $10,800 of debt service is $4,000 a year, about $333 a month, with 1.37x coverage.

Rental cash flow

Cash flow = NOI − annual debt service

Annual cash flow
$4,000.00
Monthly cash flow
$333.33
After capital budget
$4,000.00
Debt service coverage
1.37
Show the arithmetic
  • 14800 − 10800 = 4000
  • Coverage: 14800 ÷ 10800 = 1.37
Worked example

$14,800 NOI against $10,800 of debt service is $4,000 a year, about $333 a month, with 1.37x coverage.

Assumptions
  • Debt service is the full annual mortgage payment, principal and interest together.
  • Capital improvements are not included; treat them separately from operating cash flow.

Every figure is calculated from the values you entered. Nothing is fetched from market data, and this is general information rather than financial, legal or tax advice.

Formula

Cash flow = NOI − annual debt service

What you need

  • Annual net operating income
  • Annual debt service
  • Annual capital budget

Worked example

$14,800 NOI against $10,800 of debt service is $4,000 a year, about $333 a month, with 1.37x coverage.

Assumptions and units

  • Debt service is the full annual mortgage payment, principal and interest together.
  • Capital improvements are not included; treat them separately from operating cash flow.

Limitations

Every figure is calculated from the values you enter — nothing is estimated from market data. Real outcomes depend on your state, your lease terms and your property. This is general information, not financial, legal or tax advice.

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