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Nitro Toolz

Rental Property Cash Flow Analyzer

Line-by-line monthly cash flow with vacancy, management and reserves.Pro

Income

Parking, laundry, pet fees

Percent-based costs
Fixed costs
Financing

Rental Property Cash Flow Analyzer

Generated 10/9/2026

  • Monthly rent: 2650
  • Other monthly income: 0
  • Vacancy: 6
  • Property management: 8
  • Maintenance reserve (of rent): 5
  • Capital expenditure reserve (of rent): 5
  • Property tax (per year): 3900
  • Insurance (per year): 1500
  • HOA (per month): 0
  • Utilities paid by owner (per month): 0
  • Monthly mortgage payment (P and I): 1480

How to use this tool

  1. Enter rent and any other income.
  2. Set realistic percentages for vacancy, management and reserves.
  3. Add fixed costs and your mortgage payment, then read monthly cash flow.

Formulas

Effective income = (rent + other) x (1 - vacancy).

Cash flow = effective income - management - maintenance - capex - fixed costs - mortgage.

Frequently asked questions

How much should I reserve for maintenance?

Five to ten percent of rent is common, more for older buildings.

Do I need a capex reserve?

Yes. Roofs, HVAC and appliances fail eventually. Saving monthly smooths the hit.

Should self-managed rentals include a management fee?

Many investors still include one, because it shows what the deal earns if you hire help or value your time.

Where do I get the mortgage payment?

Use the mortgage calculator, then paste the principal and interest here.