Home · Investment · Cash Flow Calculator
Property investment
Rental Cash Flow Calculator
See what a rental actually puts in your pocket each month after expenses and the loan EMI — and the cash-on-cash return on the money you put in. Enter the rent, costs and loan, and the figures update live.
Income & costs
₹
₹
Loan
₹
₹
Monthly cash flow—
Annual cash flow—
Loan EMI—
Effective monthly rent—
Cash-on-cash return—
How it's calculated
Rent less the vacancy allowance gives effective rent. Subtract operating expenses and the loan EMI for monthly cash flow; multiply by twelve for the year. Cash-on-cash divides that annual cash flow by the cash you invested — your down payment plus stamp duty, registration and other purchase costs.
Cash flow = effective rent − expenses − EMI. Cash-on-cash = annual cash flow ÷ cash invested. The EMI uses the standard amortization formula.
Frequently asked questions
Why is my cash flow negative?
Common in India where rent rarely covers a full EMI early on; many investors rely on appreciation. A larger down payment reduces the EMI.
What goes in "cash invested"?
Down payment plus stamp duty, registration, brokerage and any upfront repairs.
Is appreciation included?
No — this is operating cash flow only. Use the appreciation calculator for value growth.