Rental Property Cash-Flow Check
Check a rental: monthly cash flow, cap rate and cash-on-cash from your own numbers.
An offline tool for checking a long-term rental before or after a purchase. Type the price, loan, rent and costs to see monthly cash flow, cap rate, cash-on-cash return and break-even rent. Sliders show what happens if rent, rate or price change. Compare up to 3 properties. An estimate, not advice.
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One-time purchase, no subscription. Download link by email. Refund within 14 days if it doesn't help.
An estimate from the numbers you enter. Not investment, tax, legal or lending advice. It leaves out income taxes, depreciation and appreciation. Check your numbers with a qualified professional before you buy.
Rental Property Cash-Flow Check
Example property and example targets, replace with your own
$116.36 a month
cash flow for the sample 3-bed house, from the numbers typed in
An estimate from the numbers you enter. Not investment, tax, legal or lending advice. It leaves out income taxes, depreciation and appreciation. Check your numbers with a qualified professional before you buy.
Try it here
This is the demo build with sample numbers. Saving and export are switched off.
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What you get
- Monthly cash flow, cap rate, cash-on-cash return, debt service coverage and break-even rent, all from the numbers you type. There is no built-in rate, market data or rule of thumb.
- Sliders for the loan rate, rent, price and vacancy: drag one and every result updates live, with the change in monthly cash flow shown.
- Set your own minimums for cash flow, cap rate and cash-on-cash, and each one says meets your target or below your target. The tool has no targets of its own.
- Compare up to 3 properties side by side, with 1 to 4 units each, a cash purchase option, and a one-page printout per property.
- A "How these are worked out" panel shows every step with your own numbers. One file that works offline on your phone or computer, with no account.
Who it's for
First-time and small landlords and house-hackers who are comparing listings, reviewing an agent's pro-forma, or rechecking a property they already own when the rent or their loan rate changes.
Questions
Does it rate a property or tell me what to do?
No. It shows your cash flow, cap rate and cash-on-cash return from the numbers you enter, and whether they meet the minimums you set. It has no ratings, rules of thumb, pass/fail labels or recommendations.
Does it use current loan rates or market rents?
No. It has no built-in rate and no market data. You type the loan rate you were quoted, the rent you expect and every cost. The sample's 7.0% rate and its targets are examples only.
Is this investment, tax, legal or lending advice?
No. It is an estimate from the numbers you enter. It leaves out income taxes, depreciation and appreciation. Check your numbers with a qualified professional before you buy.
Can I check a cash purchase, or a duplex?
Yes. Tick cash purchase to remove the loan, and choose 1 to 4 units with a rent for each. It also takes other monthly income such as parking or laundry.
Do I need an account, and how do I back up or move my data?
No account and no internet connection. It is a single file you open in any browser. Use Export in the top bar to save a backup file, and Import on another device to load it.
Does it work on my phone?
Yes. Each tool is a single file that opens in the browser on any iPhone, Android phone, tablet or computer. There's no app to install.
Where do my numbers go?
Nowhere. Everything you type stays on your own device. The tools work offline and never send your data anywhere.
Is there a subscription?
No. You pay once and keep the file. Fixes to the version you bought are free.
Pay once,
$15
You get the file, free fixes to version 1.0.0, and your money back within 14 days if it doesn't help.
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Read the refund policy