Cash Flow After Financing Calculator
Calculate net cash flow after debt service for rental properties. Determine actual cash returns on leveraged investments.
How it works
Cash Flow = (Rent + Other Income) - Operating Expenses - Debt Service. Shows actual cash in your pocket.
Example
$3,000 rent - $900 expenses - $1,800 payment = $300/month cash flow.
FAQ
What is cash flow after financing?
Cash flow after financing is the actual cash remaining in your pocket each month after paying all operating expenses and mortgage payments. It's the true measure of cash generated by a rental property.
What's included in operating expenses?
Operating expenses include property taxes, insurance, repairs, maintenance, property management, utilities (if paid by owner), and vacancy allowance, but exclude mortgage payments.
Can cash flow be negative?
Yes, negative cash flow means you pay money each month to own the property. This can happen with low rent, high expenses, or high mortgage payments.
How is this different from NOI?
NOI (Net Operating Income) is before financing costs. Cash flow after financing subtracts the mortgage payment from NOI, showing your actual cash position.
Should I include principal paydown in cash flow?
Traditional cash flow calculations only include actual cash received. Principal paydown is wealth building but not cash flow. Some investors track it separately as "total return."