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Landlord cash flow

Rent less mortgage, tax, insurance and percentage allowances for repairs, management and vacancy.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
$
$
$
8%
8%
5%

Cash flow per month

$48

Per year

$576

Allowances taken from rent
$462
Fixed outgoings
$1,690
Operating margin
2.2%
Rent needed to break even
$2,139

Rent less mortgage, tax, insurance and percentage allowances for repairs, management and vacancy.

A worked example

Starting figures

Rent
$1,950
Mortgage
$1,180
Insurance
$75
Maintenance
$160
Management
$195
Vacancy
6%

What it returns

Monthly cash flow
$223
Yearly
$2,676
Effective rent
$1,833
Total outgoings
$1,610

How to read the results

Percentage allowances are taken from rent, then fixed outgoings are subtracted.

With the defaults above, monthly cash flow works out at $223.

Methodology

Percentage allowances are taken from rent, then fixed outgoings are subtracted.

  • · Allowances are averages, not actual bills.
  • · Excludes income tax.

Estimates only. Nothing here is financial advice. Spotted something wrong? Tell us and it gets fixed.

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