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Rental Property Cash Flow & Return Calculator

Model monthly rent, vacancy, expenses, financing and cash invested to estimate rental cash flow and return metrics.

Private by design. Inputs and calculations stay in this browser tab. No financial or property values are uploaded.

Scenario inputs

Rental Property Calculator

The model annualizes rent after vacancy, subtracts operating expenses for NOI, then subtracts mortgage debt service for cash flow.

Calculated view
NOI$23,400.00
Cap rate6.69%
Annual debt service$19,910.14
Annual cash flow$3,489.86
Cash-on-cash return3.58%

Major capital expenditures and taxes are not automatically included unless entered in operating expenses/initial cash.

Sensitivity analysis

Scenario lab

Changes only Monthly rent while holding the other assumptions constant.

80% input2,400
Primary result: 16,560
90% input2,700
Primary result: 19,980
100% input3,000
Primary result: 23,400
110% input3,300
Primary result: 26,820
120% input3,600
Primary result: 30,240

This calculator is an educational planning tool. Verify financing, tax, legal, investment and accounting decisions using the authoritative documents and professionals that apply to your situation.

Why this tool is different

Model monthly rent, vacancy, expenses, financing and cash invested to estimate rental cash flow and return metrics. OpenFileTools exposes the inputs, formulas and scenario effects so the estimate remains auditable.

Requirements and recommendations

Model the decision with explicit assumptions

  • Enter realistic assumptions instead of best-case values.
  • Use the scenario lab to see which assumption changes the result most.
  • Verify taxes, rates, fees, legal rules and market inputs from authoritative sources before making a real decision.
How OpenFileTools processes it

Local processing, explicit choices.

The browser evaluates the published calculation from your inputs and recomputes a bounded sensitivity range around the selected scenario variable. No external market feed or hidden scoring service is called.

Frequently asked

Questions, answered.

Is my data uploaded?

No. Batch 3 workbooks, trackers and calculators run locally in this browser tab and generate downloads on your device.

Are the results official advice?

No. These tools are planning and analysis aids. Verify important academic, financial, tax, legal, lending, employment or investment decisions with the relevant authoritative source or professional.

Related guide

Learn more about this task.

Read the related guide