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Humble Numbers

Real-estate cash-flow calculator by Humble Millionaires.

Put your rental assumptions on paper. Estimate monthly income after vacancy, operating costs, debt payments, and reserves, then see how the numbers relate to your cash invested.

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Estimated monthly cash flow

Effective monthly income

Monthly operating expenses

Estimated monthly NOI

Estimated cap rate

Enter property value

Estimated annual cash flow

Cash-on-cash estimate

Enter cash invested

How to read this: NOI is effective income minus operating expenses, before mortgage payments and reserves. Cash flow subtracts the mortgage payment and repair reserves. Cap rate compares annual NOI with property value; cash-on-cash compares annual cash flow with cash invested. These measures use different inputs and aren’t guarantees.

Example: If monthly scheduled rent is $2,500, vacancy allowance is 5%, operating expenses are $800, mortgage payment is $1,100, and reserves are $150, estimated monthly cash flow is $325. At a $200,000 property value, cap rate is about 9.45% (roughly 9.5%) based on NOI of $1,575 per month. Example only.

What to verify next

The numbers above are planning estimates built from the amounts you entered. These are checks for you to complete with local quotes, documents, and qualified professionals — they are not advice, verified quotes, or confirmed terms.

Pull rental comps for the area to check whether the rent you entered matches what similar properties actually get.
Get current quotes for insurance, taxes, property management, and maintenance instead of using rough percentages.
Ask a lender for real rate, down-payment, and loan terms, since assumed financing drives most of the cash-flow result.
Verify the vacancy allowance against local vacancy data for this property type.

Your next step

See whether your cash flow holds up when rent dips and expenses rise: take the numbers to the Humble Stress Test.

Run the Humble Stress Test Read the first-property guide

Keep your results

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This estimate uses the inputs you provide. “Other income” is reduced by the same vacancy allowance. Monthly operating expenses include HOI, PMI, lawn care, pest control, miscellaneous, utilities, property taxes, and HOA. NOI excludes the mortgage loan payment and repair reserves; estimated cash flow subtracts both. Cap rate is annual NOI divided by property purchase price or current value; it excludes financing costs. A projected result is not guaranteed income.

A planning tool, not a promise.

Actual property income and costs can change. Add realistic allowances for taxes, insurance, utilities, maintenance, management, capital expenditures, and other costs. Definitions and accounting methods may vary. This calculator is for general education, not financial, tax, legal, or investment advice.

Humble Numbers

Your monthly assumptions

Monthly property expenses

A planning tool, not a promise.