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Rental cash flow calculator
Estimate cash left from rent after operating costs, mortgage interest, principal repayments and capital spend.
How we calculate it
- Forecast rent is monthly rent multiplied by occupied months.
- Operating cash surplus is forecast rent minus annual operating cash costs. Those costs stay annual even when some months are void.
- Cash after finance subtracts annual mortgage interest and annual principal repayments once.
- Cash remaining then subtracts annual capital spend.
People sometimes search for this as rental profit. The result is cash flow. It does not calculate tax.
Every output is a forecast before tax. Cash remaining is not taxable property profit, and this is not tax advice.
Worked example
- Monthly rent: £1,000.00
- Occupied months: 12
- Forecast rent: £12,000.00
- Annual operating cash costs: £2,000.00
- Operating cash surplus: £10,000.00
- Annual mortgage interest: £3,000.00
- Annual principal repayments: £1,000.00
- Cash after finance: £6,000.00
- Annual capital spend: £500.00
- Cash remaining: £5,500.00
- At 10 occupied months, forecast rent is £10,000.00 and cash remaining is £3,500.00.
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Common questions
Forecast rent is monthly rent times occupied months. Operating costs, mortgage interest, principal repayments and capital spend are then subtracted in that order. £1,000 a month for 12 months, with £2,000 of operating costs, £3,000 of interest, £1,000 of principal and £500 of capital spend, leaves £5,500.
No. It estimates cash flow, which is what people often mean when they search for rental profit. It does not calculate taxable property profit, income tax, or a tax return. Finance-cost relief and other tax rules are not applied.
Forecast rent uses only the occupied months you enter. Operating costs, mortgage interest, principal repayments and capital spend stay as the annual amounts you entered. At 10 occupied months in the worked example, forecast rent is £10,000 and cash remaining is £3,500.
PaymentFlux helps eligible customers pay rent by card when a supported landlord, letting agent or property manager does not accept cards directly. Not every recipient is supported. This calculator does not check eligibility.
Pay rent by card
PaymentFlux helps eligible customers pay rent by card when a supported landlord, letting agent or property manager does not accept cards directly.