Rental cash flow calculator

Enter a rental's price, rent, costs and mortgage to see net operating income, cap rate, cash flow and cash-on-cash return.

Your details

Purchase price ($)

Monthly rent ($)

Other income per year ($)

Vacancy (%)

Management (%)

Property tax per year ($)

Insurance per year ($)

Landlord-paid utilities per year ($)

Maintenance reserve per year ($)

Down payment (%)

Mortgage rate (%)

Amortization (years)

Other closing costs ($)

Province

Your answer

Fill in your details to see the answer.

Download

Your download appears here once you have an answer.

Save

Get an answer, then save it to a free account.

Rules and sources

Rules as of 2026-11-10

Net operating income is rent and other income, less vacancy and management, less property tax, insurance, utilities and the maintenance reserve. The cap rate is that income over the price. Cash flow is net operating income less the mortgage payments. Cash-on-cash is the year's cash flow over the cash invested.

Mortgage payments use Canadian semi-annual compounding (Interest Act), the same as the app's deal underwriting. For Ontario, the provincial land transfer tax is added to the cash invested; Toronto's municipal tax is not.

Other provinces' land transfer taxes aren't modelled. Enter them as other closing costs.

The full underwriting in the app adds DSCR, break-even price and financing plans. Underwrite this deal in the app

This is general information, not legal or tax advice. Check the sources and, where it matters, a professional for your situation.

This tool is also on MCP. Connect an agent to house.health/mcp and it can run this with no account.