Free Real Estate Cash Flow Calculator
Know your true cash flow before you buy. Freddie calculates monthly cash flow after every expense — no surprises, no guessing.
Everything in the Free Real Estate Cash Flow Calculator
Real Deal. Real Numbers. Analyzed Free.
Dan White, 20-year fix-and-flip veteran in Northern Virginia, used FreeDealCalc to analyze a $130,000 wholetail opportunity in under 5 minutes. No spreadsheet. No paid software. Just Freddie.
"I've been flipping houses for 20 years and I built this tool because nothing free was actually good enough. Freddie does what I used to do with spreadsheets — but in seconds, for free, for every investor who needs it."
A buyer who purchases this property as a wholetail deal undertakes all renovation work at their own direction, cost, and risk. The seller makes no representations regarding property condition and all sales are as-is. Buyer is responsible for all due diligence, inspections, and compliance with local codes and regulations.
Frequently Asked Questions
How do you calculate real estate cash flow?
Monthly cash flow equals gross rental income minus vacancy allowance minus all operating expenses minus debt service (mortgage payment). Operating expenses include taxes, insurance, management fees, maintenance, CapEx reserves, and utilities you pay.
What is good cash flow on a rental property?
Positive cash flow from day one is the minimum standard. Target $200-400/month per unit as a baseline in most markets. Cash-on-cash return of 8%+ is considered solid. Some investors accept lower cash flow in appreciation markets if total return justifies it.
What expenses kill rental cash flow most?
Property management fees (8-12%), maintenance and CapEx reserves (1% of value annually), vacancy (5-8%), and property taxes are the biggest cash flow killers. Many investors underestimate CapEx — major systems replacement every 10-15 years adds up fast.
Should I use a property manager and still cash flow?
Yes, and you should model it from the start even if you self-manage initially. If a deal only works without professional management, it's a marginal deal. A 10% management fee on $1,500 rent is $150/month — that $150 buys you time and removes headaches.
How does leverage affect rental cash flow?
More leverage (lower down payment, higher mortgage) reduces monthly cash flow but increases cash-on-cash return on your invested capital. Less leverage improves monthly cash flow but requires more capital. Freddie models both to find your optimal structure.
What is the difference between cash flow and ROI on rental property?
Cash flow is the monthly dollar amount left after all expenses. ROI (return on investment) is the annual percentage return on your total cash invested. A property can have modest cash flow but excellent ROI if you used leverage efficiently.
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