Calculators For investors
For investors
For investors
Does this rental make money?
The honest monthly picture, before you buy. Enter the rent and the real costs of owning, and see whether the property puts money in your pocket each month or takes it out. Many GTA rentals are cash flow negative right now, and this tool will tell you plainly.
The property
Preloaded with a real GTA duplex example. Everything stays on your device.
Income
$
months empty per year, as a %. Often 2% to 5%.
%
Purchase & mortgage
for context and reserves
$
Operating expenses
$/ mo
$/ mo
of rent
%
$/ mo
$/ mo
$/ mo
$/ mo
$/ mo
Monthly cash flow
$0
after every expense and the mortgage
Effective rental income$0
Operating expenses$0
Net operating income (NOI)$0
Mortgage payment$0
Monthly cash flow$0
Annual cash flow$0
Annual NOI$0
Where the operating expenses go
Property tax$0
Insurance$0
Management$0
Maintenance$0
CapEx reserve$0
Condo fees$0
Utilities$0
Other$0
Jay Patel
REALTOR® · GTA
Running the numbers on a rental? Send me the details and I'll help you read them honestly, cash flow, appreciation, and the real risks.
A quick, honest note. This is an educational estimate, not financial, tax, or investment advice. Cash flow is only one part of a real estate return, appreciation and mortgage principal paydown also build wealth over time, and they are not shown here. Note that your mortgage payment is subtracted separately and is not an operating expense, so it does not belong in NOI. Actual results depend on real rents, real expenses, and your financing. For questions about capital gains, CCA, or how a rental fits your taxes, speak with an accountant. For your specific numbers, message me any time.