Investing in Property
Rental Property Cash-Flow Calculator
Analyse your investment property's cash flow, net operating income, cap rate, and returns before you commit.
Purchase & Financing
$
Minimum 20% for investment properties
$
Illustrative rate — not a live lender offer
%
$
Included in total cash invested for cash-on-cash return
$
Rental Income
$
Parking, laundry, storage, etc.
$
Typical range: 3–8% depending on market
%
Annual Operating Expenses
$
$
$
$
Typically 8–12% of gross rent if using a manager
$
$
Set aside for major repairs (roof, HVAC, appliances)
$
Monthly cash flow
-$1,838.90
Annual cash flow
-$22,067
Cap rate
NOI / purchase price
2.74%
Cash-on-cash return
Annual CF / cash invested
-14.24%
Annual Income Statement
Gross rental income
Less: vacancy allowance
Effective gross income
Less: operating expenses
Taxes, insurance, maintenance, mgmt, capex
Net operating income (NOI)
Income before mortgage payments
Less: mortgage payments
$3,323.90/month
Annual cash flow (before tax)
Total cash invested
Down payment + closing costs + improvements
Break-even occupancy
Occupancy needed to cover all costs
Mortgage amount
This calculator shows cash flow before income tax. Rental income is taxable; consult a tax professional for your specific situation. Results do not assume appreciation or guaranteed rental income. Operating expenses and vacancy are estimates — actual costs vary.
Canadian semi-annual compounding. Investment properties require a minimum 20% down payment. Rates shown are illustrative examples, not live lender offers. Calculated: 2026-10-22.
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