Rental Profit Calculator
Estimate net rental profit from income, operating expenses, and mortgage costs.
Estimate rental property cash profit
Rental profit is the cash left after vacancy, operating costs, and debt service. Landlords use this figure to compare properties, stress-test rent drops, and decide whether a deal still cash flows.
Pair this calculator with the Rental Yield Calculator and Real Estate Calculator for cap rate and full acquisition modeling.
Monthly profit formula
Effective gross income starts with rent plus other income, then subtracts a vacancy allowance. Operating expenses cover taxes, insurance, maintenance, management, and miscellaneous costs. Monthly net profit is effective income minus operating expenses and the mortgage payment.
$$ \text{Monthly Net Profit} = \text{Effective Gross Income} - \text{Operating Expenses} - \text{Mortgage Payment} $$
Frequently Asked Questions
Does this include income taxes?
No. The result is pre-tax cash flow. Depreciation and tax shields are not modeled here.
What vacancy rate should I use?
Many investors budget 5% to 10% depending on market demand and lease length. Adjust the vacancy field to match your market.
Can I enter my own mortgage payment?
Yes. Enter principal and interest directly if you already know the monthly debt service from your lender.
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