Free Rental Yield & Cash Flow Calculator — does your property pay?
Enter five numbers for a rental property and instantly see its gross yield, net yield, monthly cash flow and cash-on-cash return. Everything runs right here in your browser — nothing is saved or sent anywhere.
Rental Yield & Cash Flow Calculator
Fill in the purchase numbers and the monthly numbers for one rental property — every figure recalculates as you type. Amounts are shown without a currency symbol, so it works in any currency.
Purchase — what you paid
Total purchase price of the property
Your own money in the deal, incl. buying costs paid in cash
Monthly — rent in, money out
Gross rent you collect per month
Maintenance, insurance, management, HOA/VvE fees combined
Interest + principal combined; 0 if bought cash
Monthly cash flow
—
Rent minus costs minus mortgage — — per year
Gross yield
—
Annual rent as a share of the property price
Net yield
—
Annual rent minus costs, as a share of the price
Cash-on-cash return
—
Annual cash flow as a share of your equity invested
Simplified model: one property, pure yield & cash flow math. No taxes, no mortgage payoff timeline, no vacancy assumptions — and no Dutch tax rules (mortgage interest deduction or Box 3 valuation). Not financial advice.
The math behind the calculator.
Gross & net yield
Gross yield is one year of rent divided by the property price. Net yield subtracts your annual running costs first. Both ignore financing — they tell you what the property itself earns, regardless of how you paid for it.
Cash flow & cash-on-cash
Monthly cash flow is what actually lands in your pocket: rent minus costs minus the mortgage payment. Cash-on-cash return divides a year of that cash flow by the equity you put in — the return on your money, not the bank’s.
One property, no taxes
This tool is deliberately simple: a single property and pure yield math — no tax rules, no amortization schedule, no portfolio view. For up to 10 properties, a mortgage payoff tracker and the Dutch tax module, there’s the Real Estate Tracker template.
Good to know before you calculate.
Does this include Dutch tax rules or mortgage interest deduction?
No — this is a simplified model covering pure yield and cash flow math for one property. It doesn't include Box 3 valuation rules or Dutch mortgage interest deduction.
What's the difference between gross yield and net yield?
Gross yield is annual rent divided by property price. Net yield subtracts your annual costs (maintenance, insurance, etc.) first, giving a more realistic return figure.
Can I model more than one property?
Not in this free tool — it's scoped to a single property. The paid Real Estate Tracker covers a full multi-property portfolio.