What is rental property profit?

It is what remains of your rent once the costs of running the property are paid. This calculator shows two levels: profit before the mortgage (the property's own operating result) and the cash left after the mortgage payment is made.

Why is the mortgage shown separately?

A mortgage payment depends on how you financed the property, not on the property itself. Separating it lets you see whether the property covers its running costs on its own, and how much of your rent the financing takes.

What costs should I include?

Include the regular, predictable costs: management fees, insurance, property tax, HOA or service charges, any utilities you pay, and a monthly maintenance allowance. Occasional repairs are easier to handle as one-off expenses month by month.

Is a maintenance allowance necessary?

Repairs are irregular but not optional. Setting aside a small monthly amount makes your normal months look less optimistic and your repair months less painful, which gives you a more realistic profit figure.

Rental Property Profit Calculator

See how much money your rental property actually generates after expenses and mortgage payments.

Your numbers

Enter monthly amounts. Leave anything that doesn't apply at zero.

Currency

Monthly rent

Other monthly income

Parking, storage, laundry

Operating expenses

Property management

Insurance

Property tax

HOA / service charges

Utilities

Maintenance allowance

Other operating expenses

Financing

Mortgage payment

Cash left after mortgage

+$290/month

+$3,480/year

How the numbers add up

Monthly income$1,500

Operating expenses-$360

Property profit before mortgage$1,140

Mortgage-$850

Cash left after mortgage$290

Where does the rent go?

You keep about 19% of the income entered.

Mortgage$850 · 57%
Management$105 · 7%
Insurance$45 · 3%
Maintenance$50 · 3%
Other costs$160 · 11%
You keep$290 · 19%

Based on $1,500 of monthly income entered above.

What this means

Positive cash flow
Your property produces approximately $290 in monthly cash after the expenses entered.
Yearly view
At these numbers the property leaves about $3,480 across twelve months.

Want to track this property automatically?

Save your rent and regular costs once and follow your real performance month by month.

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No card needed. Your calculator numbers carry over to your first property.

Propertira provides estimates based on the information you enter. Results are for informational purposes only and are not financial, tax, legal or investment advice.

How rental property profit is calculated

The calculation is deliberately simple: add up everything the property brings in each month, subtract the costs of running it, then subtract the mortgage payment. The first subtraction tells you whether the property works as a property. The second tells you what actually lands in your bank account.

Two properties with identical rent can produce very different results. Service charges, insurance and management fees quietly take a fixed share of every rent payment, which is why the breakdown above is often more useful than the headline number.

Profit and cash flow are not the same

Profit before mortgage describes the property. Cash flow describes your month. A property can be profitable on paper and still take cash out of your pocket once the mortgage is paid — the cash flow calculator focuses only on that second question.

What this calculator does not do

It does not estimate market rent, property value, tax outcomes or future interest rates, and it never tells you whether a property is a good or bad investment. It only works with the numbers you enter.