Rental Property Cash Flow Calculator for Real Estate Investors
Analyze rental property cash flow, cap rate, CoC return, and 30-year projections in seconds. Make data-driven investment decisions.
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Instant Cash Flow Analysis
Enter your purchase price, rent, and expenses. Get monthly cash flow, cap rate, and cash-on-cash return in seconds.
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30-Year Income Projections
Model how your rental income, property value, and equity grow over time — with configurable growth assumptions.
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Optional Assisted Estimates
Use optional assisted estimates for property tax and utilities after completing the analysis.
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PDF Export
Export your full rental analysis report as a clean PDF to share with partners, lenders, or your own records.
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Save & Compare Deals
Save multiple rental analyses and compare them side by side to choose the best investment.
See the metrics that matter
Every rental analysis includes the KPIs serious investors rely on:
123 Maple Street, Austin TX
Single-Family · $325,000 · 20% down
INVESTIGATE
Monthly Cash Flow
+$320/mo
Cap Rate
5.9%
Cash-on-Cash
7.4%
1% Rule
0.74%
Monthly Expense Breakdown
Mortgage (P&I)$1,562
Property Tax$325
Insurance$135
Mgmt (10%)$218
Vacancy (5%)$109
Maintenance$271
30-Year Projection (3% growth)
Year 1
$3,840 CF · $65K equity
Year 5
$4,330 CF · $98K equity
Year 10
$5,020 CF · $155K equity
Year 30
$9,200 CF · $620K equity
Monthly Cash Flow
Net income after all expenses and mortgage
Cap Rate
Net operating income / property purchase price
Cash-on-Cash Return
Annual cash flow / total cash invested
1% Rule Check
Monthly rent / purchase price - quick screen
30-Year IRR
Long-run internal rate of return on equity
Vacancy-Adjusted Income
Effective income after applying vacancy rate
30-Year Projections
Model how your investment grows over decades
See annual rent, effective income, cash flow, cumulative returns, equity, and IRR at key milestones all driven by your actual inputs and growth assumptions.
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Configure income, expense, and appreciation growth rates
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View compounding equity as the mortgage amortizes
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Understand IRR at 5, 10, 20, and 30 years
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Export the full projection as a PDF report
30-YEAR PROJECTION
ASSUMPTIONS: 3% RENT GROWTH, 3% PV GROWTH
Metric
Yr 1
Yr 3
Yr 5
Yr 10
Yr 15
Yr 20
Yr 30
Annual Rent
$26,400
$28,030
$30,590
$35,430
$41,090
$47,580
$63,870
Annual CF
$3,840
$4,220
$4,610
$5,880
$7,140
$9,200
$14,120
Property Value
$334,750
$355,600
$388,140
$449,640
$520,870
$603,150
$809,500
Equity
$65,400
$78,200
$99,200
$155,800
$218,400
$298,700
$809,500
IRR
6.8%
7.4%
8.1%
9.4%
10.2%
11.2%
12.7%
Acquisition & Expense Summary
Purchase Price
$325,000
Down Payment (20%)
$65,000
Closing Costs (3%)
$9,750
Rehab Allowance
$8,000
Cash to Close
$82,750
Monthly Mortgage
$1,562
MONTHLY OPERATING EXPENSES
Property Tax (AI)$325
Insurance (AI est.)$135
Maintenance (1%)$271
Mgmt Fee (10%)$218
Vacancy Reserve$109
Other Expenses$100
Total Monthly Expenses$2,620
Monthly Cash Flow-$460
Expenses & Capital
Know exactly what it costs to acquire and operate
Navikoo calculates your full acquisition cost and operating expense breakdown — including AI-estimated property tax, insurance, and maintenance — so you see real numbers, not guesses.
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Cash to close = down payment + closing costs + rehab
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Property tax estimated by AI when not user-entered
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Insurance estimated at 0.5% of price - override any field
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Operating expenses feed directly into cash flow and CoC
AI & Location Insights
More than a calculator - a smart advisor
After running your analysis, Navikoo generates AI-powered signals to help you evaluate the deal quality, location, and negotiation leverage.
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Navikoo Deal Score
Potential Strong Deal / Investigate / Risky
A transparent 0–100 score based on cash flow, cash-on-cash return, cap rate, DSCR, the 1% rule, and projected returns.
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Location Insights
Location Insights
Pros, cons, school ratings, major employers, and crime percentile for the target market.
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AI Insights
Negotiation Tips
Data-driven negotiation suggestions and market context to help you get better terms.
Frequently Asked Questions
What is a rental property cash flow calculator?
A rental property cash flow calculator helps real estate investors estimate the monthly and annual income a rental property will generate after all expenses - including mortgage, taxes, insurance, management fees, and vacancy.
What is a good cap rate for a rental property?
Cap rates vary by market, but most investors consider 5–8% a healthy range for residential rental properties. Higher cap rates often indicate more risk or a less desirable market. Navikoo shows your cap rate instantly after you enter the purchase price and expected rent.
How do I calculate cash-on-cash return?
Cash-on-cash (CoC) return = Annual pre-tax cash flow / Total cash invested. For example, if you invest $50,000 in a deal and earn $4,000 in annual cash flow, your CoC is 8%. Navikoo calculates this automatically.
Is this calculator free to use?
Yes - Navikoo's Rental Calculator is free. You can run analyses, view key metrics, and get a 30-year projection without any payment or credit card.
Can I save and compare multiple rental properties?
Yes. Free users can save up to 10 analyses. Pro users can save unlimited deals and access advanced features like CRM, Deal Pipeline, and portfolio tracking.