Rental cash-flow calculator
Compare scheduled rent, vacancy, operating expenses, debt and reserves in a simple annual rental scenario.
All amounts in Canadian dollars. Illustrative inputs are editable.
Your scenario
- Annual scheduled rent
- $26,400.00
- Income after assumed vacancy/loss
- $25,080.00
- Net operating income
- $19,080.00
- Cash after debt and reserve, before tax
- $5,280.00
- Break-even occupancy (%)
- 75.00%
Calculations stay in this page. No account, submission or database query is required.
How the estimate works
Scheduled rent = monthly rent × 12. Effective income = scheduled rent × (1 − loss percentage ÷ 100). Net operating income = effective income − operating expenses. Cash before tax = net operating income − debt payments − reserve. Break-even occupancy = (expenses + debt + reserve) ÷ scheduled rent × 100. Costs are held fixed as occupancy changes.
Worked example
At $2,200 per month and 5% loss, annual effective income is $25,080. After $6,000 operating expenses, $12,000 debt payments and $1,800 reserve, cash before tax is $5,280.
This simplified pre-tax model excludes acquisition costs, appreciation, sale proceeds and actual capital projects. It is not an investment recommendation. Do not include debt or reserve contributions again inside operating expenses. Rent protection is not assumed.