What is property cashflow?
The money left each year after rent has paid the mortgage, running costs and an allowance for vacancy. Positive means it pays for itself; negative means it costs you to hold.
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Cashflow Simulation Calculator
Project a rental property's yearly and monthly cashflow after the mortgage, running costs and an allowance for vacancy.
annual cashflow = rent×(1−vacancy) − mortgage − costs
Frequently asked questions
What is negative gearing?
When a property's costs exceed its rental income, producing a loss. Some investors accept this, betting on capital growth and, in some countries, tax benefits, to come out ahead.
Why include a vacancy allowance?
Because no rental is occupied 100% of the time. Building in a few percent of vacancy makes the projection realistic rather than rosy.
Is this before or after tax?
Before tax. Tax treatment of property income and losses varies by country and can change the picture, so check your local rules.
How do I improve cashflow?
Raise rent to market, cut avoidable costs, reduce vacancy with good management, or refinance to a cheaper rate. Each lever shows up directly in the result.