LandlordGauge

Rental property cash flow calculator Canada

Calculate Canadian rental cash flow, cap rate, cash-on-cash return and mortgage payments using semi-annual compounding.

Your property and mortgage

Purchase and financing

The property price in Canadian dollars.

Cash paid towards the price; closing costs excluded.

Dollar amount from your lender, financed in the mortgage. Zero if none.

Default 2.25% is the Bank of Canada policy rate, not a mortgage quote.

Whole years to repay the loan, not the mortgage contract term.

CMHC Income Property guidance: 2 to 4 non-owner-occupied units, at least 20% equity, price below $1 million and up to 25 years.

Rent and running costs

Scheduled monthly rent before vacancy.

Percentage of scheduled rent not collected.

Annual property tax amount.

Monthly fees. Enter zero if none.

Annual property insurance premium.

Percentage of rent collected after vacancy.

Your cash flow

Example result

After the entered running costs and mortgage payment, this property has -$157.45 in average monthly cash flow before income tax.

Monthly cash flow

-$157.45

Monthly mortgage payment

$1,742.45Principal and interest, including any financed premium.

Property returns

Cap rate
3.80%
Cash-on-cash return
-1.89%

Example: illustrative 25-year amortization at the policy rate.

Rates as of