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Rental Cash Flow Calculator

Calculate monthly rental property cash flow: net operating income, debt service, vacancy, management fees, DSCR, and break-even rent.

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  • Instant results
  • Restores your last inputs

1. Enter your numbers

Start with the assumptions you know.

2. Adjust the scenario

Change one input to see what matters.

3. Review the result

Use the estimate to compare and prepare.

Property, financing and operating costs
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Monthly cash flow

Monthly cash flow

-$628

-$7,542 per year

Break-even rent

$3,748

Rent needed to cover every cost

Effective gross income
$36,084
Operating expenses
− $8,600
Net operating income
$27,484
Annual debt service
− $35,026
Annual cash flow
-$7,542
Cap rate
3.93%
Debt service coverage (DSCR)

Lenders typically want 1.20 or higher

0.78

Estimates only. Figures are for planning purposes and are not financial, tax, or legal advice. Confirm all numbers with your lender, lawyer, and accountant.

Monthly outflows

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About this rental cash flow calculator

Use this free Canadian real estate calculator to explore scenarios before speaking with a lender, REALTOR®, lawyer, accountant, or other qualified professional. Results are estimates and should not replace professional advice.