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Property & finance

Property cash-flow calculator

Calculate monthly surplus after financing and operating costs.

Your result

Complete the fields and calculate.

Calculation method and formula

Monthly rental income − Loan payment − Owner-paid costs − Vacancy allowance

Understand the inputs

Monthly rental income
Use a measured value or your own assumption.
Loan payment
Use a measured value or your own assumption.
Owner-paid costs
Use a measured value or your own assumption.
Vacancy allowance
Use a measured value or your own assumption.

Assumptions and limitations

Gross yield, net yield and cash flow answer different questions. Keep rental periods consistent; taxes, financing and vacancies count only when included in the chosen model.

The formula uses the specified units. Displayed numbers are rounded; whole packs, item counts and full time periods may also be rounded within the calculation.

Worked example

Illustrative values. Replace them with your own inputs for your calculation.

Monthly rental income
1800
Loan payment
1150
Owner-paid costs
280
Vacancy allowance
90
Example result280 per month

Annual cash flow: 3,360.

Model revision: October 17, 2026 · How CleverCalc works

FAQ

Frequently asked questions

How does Property cash-flow calculator work?+

Monthly rental income − Loan payment − Owner-paid costs − Vacancy allowance. Gross yield, net yield and cash flow answer different questions. Keep rental periods consistent; taxes, financing and vacancies count only when included in the chosen model.

What assumptions should I consider for this result?+

Gross yield, net yield and cash flow answer different questions. Keep rental periods consistent; taxes, financing and vacancies count only when included in the chosen model. The formula uses the specified units. Displayed numbers are rounded; whole packs, item counts and full time periods may also be rounded within the calculation.

How accurate is the result?+

The formula uses the specified units. Displayed numbers are rounded; whole packs, item counts and full time periods may also be rounded within the calculation. Prices, measurements and model assumptions determine how well the result represents your situation.

Is this calculator free?+

Yes. Calculations and PDF export work without an account or registration.

What happens to my inputs?+

Calculations run in your browser. Results are saved locally only when you add them to My results; favourites and history are also local. Shared links contain your values. The currency tool requests the selected currencies from its rate provider without sending your amount.

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