Property Cash Flow Calculator
See a detailed monthly breakdown of income vs expenses for your rental property. Includes void periods, management fees, and maintenance reserves.
Income
Average empty weeks between tenancies
Monthly expenses
Annual expenses
Percentage of rent. Set to 0 if self-managing
Recommended: 1% of property value or £1,000+/year
Leasehold only
Leasehold / managed block only
Accounting fees, landlord certificates, etc.
Cash flow summary
Monthly profit
£167.63
Profit margin
14.5%
Monthly breakdown
| Item | Monthly | Annual |
|---|---|---|
| Rental income (adjusted for voids) | £1,153.85 | £13,846.15 |
| Mortgage payment | -£750.00 | -£9,000.00 |
| Landlord insurance | -£20.83 | -£250.00 |
| Management fee (10%) | -£115.38 | -£1,384.62 |
| Maintenance reserve | -£100.00 | -£1,200.00 |
| Net profit | £167.63 | £2,011.54 |
Rent adjusted for 2 void weeks per year (3.8% vacancy rate).
Tip: A positive monthly cashflow means the property pays for itself. A good maintenance reserve is around 1% of property value per year.
Understanding property cash flow
Cash flow is the money left each month after all expenses are paid. Positive cash flow means the property generates income beyond its costs.
Void periods are inevitable. Even popular areas experience 1-4 weeks between tenancies for advertising, referencing, and check-in. Budget for at least 2 weeks per year.
Maintenance reserve covers unexpected repairs (boiler breakdowns, roof leaks, appliance failures). Industry guidance suggests setting aside at least 1% of property value per year.
This calculator does not account for tax. Use our rental income tax calculator to see how much tax you'll owe on your rental profit.
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