Landlord Tools
Rental Property Cash Flow Calculator Canada — Monthly Profit
Calculate your Canadian rental property's monthly cash flow, annual return, and cash-on-cash yield. Includes vacancy, management fees, and maintenance. Free landlord tool.
Income
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%
Expenses
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$
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% of home value
% of rent
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Investment
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$
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Frequently Asked Questions
What is a good monthly cash flow for a rental property in Canada?+
Many Canadian landlords target at least $200–$500 positive cash flow per month per unit as a minimum threshold. In high-cost markets like Toronto and Vancouver, breaking even on cash flow is common, with returns coming primarily from appreciation and mortgage paydown.
What is cash-on-cash return in real estate?+
Cash-on-cash return measures your annual cash flow relative to the total cash you invested (down payment plus closing costs). A 5–8% cash-on-cash return is generally considered reasonable for Canadian rental properties, though expectations vary by market.
What vacancy rate should I use for a Canadian rental property?+
A typical vacancy allowance for Canadian rental property analysis is 3–5% of gross rent. In tight rental markets like Toronto or Vancouver, vacancy rates are often below 2%. In smaller cities, budget closer to 5–8%. Always model a conservative vacancy rate to stress-test your cash flow.
Should I include mortgage principal paydown in cash flow calculations?+
Cash flow calculations focus on actual cash in versus cash out, so mortgage principal paydown is not included — it reduces your balance but isn't cash flowing to you. However, principal paydown is a real form of wealth building that should be captured in a total ROI analysis.