Rental property cash flow calculator
The calculator shows whether a rental flat leaves money in your pocket each month once maintenance charges, a renovation reserve, the monthly loan payment and tax have been deducted from the rent. It is built for property investors who are considering a purchase or want to check the figures of an existing investment.
You enter the debt-free price, loan share, interest rate and loan term, plus the monthly rent, maintenance charge, vacancy, renovation reserve and capital income tax. The calculator shows the monthly instalment, cash flow, debt service coverage ratio (DSCR) and the equity the purchase requires.
The calculator is free and needs no sign-in.
Worked example
Esimerkkikatu 5 A 12, Joensuu · 42 m²
| Debt-free price | 129 000 € |
|---|---|
| Loan share | 70 % |
| Interest rate | 3,8 % |
| Loan term | 25 years |
| Rent / month | 890 € |
| Maintenance charge / month | 210 € |
| Vacancy | 4 % |
| Renovation reserve / month | 50 € |
| Capital income tax | 30 % |
| Monthly instalment | 467 € |
|---|---|
| Cash flow / month | +19 € |
| Debt service coverage (DSCR) | 1,27× |
| Equity | 40 635 € |
The figures are calculated with the same code the calculator uses. Formulas and sources: Calculation formulas · Method and sources
The calculation is an estimate based on the figures you enter. It is not investment, tax or legal advice.