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Rental cash flow calculator

Rental cash flow calculator

Monthly cash flow €150.00
Annual cash flow
€1,800.00

Cash flow is what's left each month after paying the mortgage and expenses (property tax, HOA, insurance, maintenance). If it's negative, the property costs you money every month.

This rental cash flow calculator works out the monthly and annual cash flow of a rental property from the rent it brings in, the mortgage payment and other monthly expenses.

What actually lands in your account

Cash flow is the simplest test of whether a rental is currently paying for itself: rent minus the mortgage payment minus everything else you spend on it each month. A property can look attractive on paper — rising in value, building equity — while still draining cash from you every single month if that number is negative.

Example

With €900 in monthly rent, a €550 mortgage payment and €200 in other monthly expenses, the property generates €150 a month in positive cash flow — about €1,800 a year.

For guidance only — it’s a simplified monthly snapshot, not a full investment analysis.

FAQ

What counts as "other monthly expenses"?
Recurring ownership costs such as property tax, homeowners association (HOA) fees, insurance and maintenance — anything that comes out of the rental income besides the mortgage payment itself.
What does negative cash flow mean?
It means the rent doesn't cover the mortgage payment and other monthly costs, so you're paying out of pocket to hold the property each month — even if it's building equity or appreciating in value over time.
How is this different from rental yield?
Rental yield measures return on the money invested, ignoring the mortgage. Cash flow measures what actually hits your bank account each month, mortgage included — the two can point in different directions for the same property.