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Cash Flow Calculator

DealCalc makes cash flow easier to trust by keeping rent, recurring expenses, debt service, and break-even pressure visible in the same underwriting pass.

Primary output Monthly spread
Primary output Break-even rent

Sample scenario

See what is left after the real drag shows up.

Example numbers only. Verify vacancy, repairs, utilities, and debt terms with your actual property data.

Example inputs

  • Gross monthly rent$3,200
  • Vacancy + credit loss$160
  • Operating expenses$1,020
  • Debt service$1,214
  • Other reserves$120

Example outputs

Monthly cash flow $686
Annual cash flow $8,232
Break-even rent $2,514
Verdict Healthy spread

How the math works

Core formulas investors care about

  • NOIRent - vacancy - operating expenses
  • Monthly cash flowNOI - debt service - reserve drag
  • Break-even rentExpenses + debt + reserves + vacancy

Why it matters

What to verify before you trust the answer

Investors do not lose sleep over projected gross rent. They lose sleep over weak monthly spread, thin reserves, and deals that only work if nothing goes wrong.

What DealCalc surfaces

  • Gross rent, vacancy, and recurring operating drag
  • Mortgage payment impact on the hold
  • Monthly cash flow after debt
  • Break-even pressure before the deal feels tight

Why it matters

The best rental deals are not just profitable on paper. They leave enough room for things to go wrong and still keep paying you to own them.

Common questions

What does a cash flow calculator show?

It shows the monthly spread between rent, vacancy, expenses, and debt service so you can see whether the property actually pays you to own it.

Why does break-even rent matter?

Break-even rent shows how little room you have before a deal starts feeling tight. Thin cash flow is easier to miss than most investors think.

Is cash flow enough by itself?

No. Cash flow is essential, but you should also understand reserves, cap rate, debt pressure, and how stable the income really is.

Get DealCalc

See the monthly spread before the property becomes a problem.

Join the waitlist if you want mobile-first cash flow visibility, cleaner reports, and a faster way to pressure-test hold scenarios.

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Rental Property Calculator DSCR Calculator Cap Rate Calculator Subject-To Calculator