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Investment Property Cash Flow Calculator

Estimate your rental property's monthly and annual cash flow, plus your cash-on-cash return, based on income, expenses, and mortgage payments.

Quick answer: Estimate rental cash flow and cash-on-cash return from entered income, expenses, debt service, and invested cash. Enter Monthly Rental Income, Monthly Operating Expenses, Monthly Mortgage Payment (P&I), and Total Cash Invested to personalize the estimate. It returns Monthly Cash Flow, Annual Cash Flow, and Cash-on-Cash Return so you can compare the impact before choosing a next step. Use it to compare payment, equity, rate, and timing tradeoffs before applying or changing a loan.

SWReviewed by SwitchWize Research Desk · Last reviewed July 20, 2026
Monthly Cash Flow
$450
Monthly Cash Flow
$450
Annual Cash Flow
$5,400
Cash-on-Cash Return
6.00%
Diagnostic

This property nets about $450 a month after expenses and the mortgage payment.

That's a 6.00% cash-on-cash return on the $90,000 you put in.

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What to do next

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Your action plan
  1. 1

    Set the target and timeline for this plan

    Estimate rental cash flow and cash-on-cash return from entered income, expenses, debt service, and invested cash.

  2. 2

    Pressure-test one alternate scenario before deciding

    Assumptions change the answer, especially when rates, taxes, or timing matter.

  3. 3

    Save the result to Money Map or use the linked next action

    Turn the result into a prioritized action instead of treating it as a one-off number.

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This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

Turn this result into a decision

Every SwitchWize calculator connects to a product comparison, rate context, guidance, alerts, and Money Map.

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About mortgage rates

Mortgage rates depend on loan type (30-yr fixed, 15-yr fixed, ARM, FHA, VA, jumbo), your credit score, down payment, points paid, loan amount, property state, and whether you're purchasing or refinancing. The calculator above uses a representative market rate for payment estimates, your actual rate will vary.

For a personalized rate comparison, use the tool below to see lenders ranked by APR, loan type, and your profile.

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Mortgage rates shown on SwitchWize compare pages include loan type, assumed FICO, LTV, and points. Representative only. Verify all terms directly with the lender. Advertising disclosure

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Frequently Asked Questions

Everything you need to know.

What does an example Investment Property Cash Flow Calculator calculation look like?
Using this calculator's own default assumptions, a monthly rental income of $2,800, monthly operating expenses of $750 and monthly mortgage payment (p&i) of $1,600 produces an estimated monthly cash flow of $450 and annual cash flow of $5,400. Enter your own numbers above to see how it changes for your situation.
What's the difference between cash flow and cash-on-cash return?
Cash flow is the actual dollar amount left over each month or year after all expenses and debt service are paid. Cash-on-cash return is a percentage that measures how much of that annual cash flow you're earning relative to the cash you invested upfront: it shows the efficiency of your invested capital.
Why should I include my mortgage payment if I'm building equity?
Mortgage payments include both principal (which builds equity) and interest (which is an expense). Only the interest portion is a true operating cost; principal is wealth building. This calculator includes the full payment to show net cash available to you each month, but remember that the principal portion represents equity growth separate from spendable cash flow.
Is the Investment Property Cash Flow Calculator free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the Investment Property Cash Flow Calculator affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to compare investment property loans, or run Money Map to compare this home & mortgage decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (mortgage) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
How fresh are the rates and offers shown?
Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.
Where can I see the ranking methodology?
The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

Cash flow reveals whether a rental property generates positive or negative income each month after covering operating expenses and debt service. Understanding this metric helps you assess whether a property investment meets your goals and how efficiently your invested capital is working. A property can appreciate in value but still drain cash month-to-month, so measuring actual cash flow is essential to evaluating true investment performance.

How to Use It

  1. 1Enter your expected monthly rental income from tenants.
  2. 2Enter your total monthly operating expenses, such as maintenance, property management, insurance, and property taxes.
  3. 3Enter your monthly mortgage payment (principal and interest only).
  4. 4Enter the total cash you invested upfront, including down payment and closing costs.
  5. 5View your monthly cash flow, annual cash flow total, and cash-on-cash return percentage to understand how much income your investment generates relative to the capital deployed.
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