Temelios

Cash Flow Calculator

See your monthly profit after all expenses and mortgage.

Calculates monthly cash flow by subtracting operating expenses and debt service from effective rental income.

Positive monthly cash flow means the property pays you. Seller pro formas routinely overstate cash flow by understating vacancy and expenses.

1
Enter monthly gross rent: Total rent if fully occupied.
2
Enter vacancy rate: Verify with census data for the ZIP code.
3
Enter monthly operating expenses: Property taxes/12 + insurance/12 + maintenance + management + reserves + HOA.
4
Enter monthly debt service: Principal + interest only. Enter 0 if paying cash.

Monthly Gross Rent ($)

Vacancy Rate (%)

Monthly Operating Expenses ($)

Monthly Debt Service ($)

Monthly Cash Flow$100 ✓

Annual Cash Flow$1,200

•Benchmark positive cash flow: $100–$200/door/month is a common minimum target; less than $50/door leaves almost no margin for unexpected repairs.
•Stress-test your numbers: what does cash flow look like if vacancy doubles? If rent drops 10%? A deal that only works at best-case inputs is fragile.
•Operating expense ratio benchmarks: 35–45% for newer SFR, 40–55% for older multifamily. If your inputs are below these, double-check your assumptions.
•Negative cash flow isn't automatically disqualifying — but you must be able to sustain it and have conviction in appreciation to make the total return work.
•Separate capital reserves from operating expenses in your model; lumping them together obscures both NOI and true cash flow.

Want the full picture?

These calculators use your assumptions. Temelios pulls real comps and census data so your vacancy, rent, and expense inputs are grounded in reality.