Rental Yield vs Mortgage Cost Calculator

Does your rental property cash flow? Compare rental income against mortgage costs.

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Rental Cash Flow

Enter your property and rental details to see if it cash flows.

Monthly cash flow
$0
Gross yield: 0% · Net yield: 0%
Gross rental yield
0%
Net yield (after costs)
0%
Mortgage payment
$0
Annual cash flow
$0
Cash on cash return
0%
Rent-to-value ratio
0%

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
Property value ($)$400,000
Down payment (%)25%
Mortgage rate (%)6.5%
Monthly rent ($)$2,500
Monthly expenses ($)$500
ResultValue
Monthly cash flow+$104
Gross rental yield7.5%
Net yield (after costs)6.0%
Mortgage payment$1,896
Annual cash flow+$1,246
Cash on cash return1.2%

Values shown are produced by this page in your browser; change any input to update them.

How to use the Rental Cash Flow

  1. Property value ($) — default $400,000
  2. Down payment (%) — default 25%
  3. Mortgage rate (%) — default 6.5%
  4. Monthly rent ($) — default $2,500
  5. Monthly expenses ($) — default $500
  6. Press Calculate to update the results instantly.

Frequently asked questions

Sources & references