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Maverick's Cash-Flow Calculator

DISCLAIMER: This calculator is for recreational use only and is NOT financial or accounting software.

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INSTRUCTIONS

Click into any Investor INPUTS (THE ORANGE FIELDS) to modify.
Click CALCULATE to update financial calculations on ALL TABS.
Click any field LABEL to view a definition.
Purchase
Monthly Cashflow
Tax Benefits
Future Assumptions

INSTRUCTIONS

Click any field LABEL to view a definition.
Cash to Purchase
Purchase Price
$150,000
Fair Market Value
$150,000
Down Payment Amount
$30,000
Depreciable Closing Costs
$3,000
Lender Fees / Points
$3,000
Total Cash Invested
$36,000
Total Equity at Purchase
$30,000
Morgage Calculation
Loan Amount
$120,000
Monthly Mortgage Payment
$644
First Year Mortgage Principal Paid Down
$1,770
First Year Mortgage Interest Paid
$5,960

INSTRUCTIONS

Click any field LABEL to view a definition.
First Year Monthly Cashflow
Gross Scheduled Rent
$1,250
Vacancy Estimate
$88
Gross Operating Income
$1,163
Property Taxes
$150
Insurance
$50
Other Expense
$0
Owner-Paid Utilities / Landscaping
$0
Property Management Fee
$125
Maintenance Estimate
$63
Total Operating Expenses
$388
Net Operating Income (NOI)
$775
Mortgage Payment
$644
Cash Flow Before Taxes
$131
Gross Rent Multiplier (GRM)
10
Rent to Value Ratio (RV Ratio)
0.8%
Capitalization Rate (Cap Rate)
6.2%
Cash on Cash Return
4.4%

INSTRUCTIONS

Click any field LABEL to view a definition.
Tax Benefits
Value of (Non-Depreciable) Land
$15,000
Value of (Depreciable) Property Structure
$135,000
Depreciable "Cost Basis" at Purchase
$138,000
Annual Straight Line Depreciation of Cost Basis
$5,018
Annual Depreciation of Lender Fees / Costs
$100
First Year Total Depreciation
$5,118
First Year Taxable Income Before Depreciation
$3,340
First Year Taxable Income Offset by Depreciation
$3,340
First Year Remaining Taxable Income After Depreciation
$0
First Year Federal Income Taxes Owed on Rental Income
$0
First Year Tax Savings from Depreciation on Rental Income
$1,069
First Year Left Over Depreciation
$1,778

INSTRUCTIONS

Click any field LABEL to view a definition.
(Swipe left or right to scroll horizontally)
Annual Income
 Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10Year 11Year 12Year 13Year 14Year 15Year 16Year 17Year 18Year 19Year 20Year 21Year 22Year 23Year 24Year 25Year 26Year 27Year 28Year 29Year 30
Gross Scheduled Rent
$15,000
$15,300
$15,606
$15,918
$16,236
$16,561
$16,892
$17,230
$17,575
$17,926
$18,285
$18,651
$19,024
$19,404
$19,792
$20,188
$20,592
$21,004
$21,424
$21,852
$22,289
$22,735
$23,190
$23,653
$24,127
$24,609
$25,101
$25,603
$26,115
$26,638
Vacancy Loss
$1,050
$1,071
$1,092
$1,114
$1,137
$1,159
$1,182
$1,206
$1,230
$1,255
$1,280
$1,306
$1,332
$1,358
$1,385
$1,413
$1,441
$1,470
$1,500
$1,530
$1,560
$1,591
$1,623
$1,656
$1,689
$1,723
$1,757
$1,792
$1,828
$1,865
Gross Operating Income
$13,950
$14,229
$14,514
$14,804
$15,100
$15,402
$15,710
$16,024
$16,345
$16,672
$17,005
$17,345
$17,692
$18,046
$18,407
$18,775
$19,150
$19,533
$19,924
$20,323
$20,729
$21,144
$21,566
$21,998
$22,438
$22,886
$23,344
$23,811
$24,287
$24,773
Annual Operating Expenses
 Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10Year 11Year 12Year 13Year 14Year 15Year 16Year 17Year 18Year 19Year 20Year 21Year 22Year 23Year 24Year 25Year 26Year 27Year 28Year 29Year 30
Property Taxes
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
$1,800
Insurance
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
Maintenance Assumption
$750
$765
$780
$796
$812
$828
$845
$862
$879
$896
$914
$933
$951
$970
$990
$1,009
$1,030
$1,050
$1,071
$1,093
$1,114
$1,137
$1,159
$1,183
$1,206
$1,230
$1,255
$1,280
$1,306
$1,332
Property Management
$1,500
$1,530
$1,561
$1,592
$1,624
$1,656
$1,689
$1,723
$1,757
$1,793
$1,828
$1,865
$1,902
$1,940
$1,979
$2,019
$2,059
$2,100
$2,142
$2,185
$2,229
$2,273
$2,319
$2,365
$2,413
$2,461
$2,510
$2,560
$2,612
$2,664
Owner-Paid Utilities / Landscaping
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Other Expense
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Total Operating Expenses
$4,650
$4,695
$4,741
$4,788
$4,835
$4,884
$4,934
$4,985
$5,036
$5,089
$5,143
$5,198
$5,254
$5,311
$5,369
$5,428
$5,489
$5,551
$5,614
$5,678
$5,743
$5,810
$5,878
$5,948
$6,019
$6,091
$6,165
$6,240
$6,317
$6,396
Annual Debt Service
 Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10Year 11Year 12Year 13Year 14Year 15Year 16Year 17Year 18Year 19Year 20Year 21Year 22Year 23Year 24Year 25Year 26Year 27Year 28Year 29Year 30
Debt Service
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
$7,730
Mortgage Balance at Year End
$118,230
$116,369
$114,412
$112,356
$110,194
$107,922
$105,534
$103,023
$100,384
$97,610
$94,695
$91,629
$88,408
$85,021
$81,461
$77,719
$73,785
$69,650
$65,304
$60,735
$55,932
$50,884
$45,577
$39,999
$34,136
$27,972
$21,494
$14,684
$7,525
-
Debt Service Coverage Ratio
1.2%
1.23%
1.26%
1.3%
1.33%
1.36%
1.39%
1.43%
1.46%
1.5%
1.53%
1.57%
1.61%
1.65%
1.69%
1.73%
1.77%
1.81%
1.85%
1.89%
1.94%
1.98%
2.03%
2.08%
2.12%
2.17%
2.22%
2.27%
2.32%
2.38%
Annual Capital Improvements
 Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10Year 11Year 12Year 13Year 14Year 15Year 16Year 17Year 18Year 19Year 20Year 21Year 22Year 23Year 24Year 25Year 26Year 27Year 28Year 29Year 30
Capital Improvements
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Annual Cash Flow Analysis
 Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10Year 11Year 12Year 13Year 14Year 15Year 16Year 17Year 18Year 19Year 20Year 21Year 22Year 23Year 24Year 25Year 26Year 27Year 28Year 29Year 30
Net Operating Income
$9,300
$9,534
$9,773
$10,016
$10,264
$10,518
$10,776
$11,040
$11,308
$11,583
$11,862
$12,147
$12,438
$12,735
$13,038
$13,347
$13,662
$13,983
$14,310
$14,645
$14,986
$15,333
$15,688
$16,050
$16,419
$16,795
$17,179
$17,571
$17,970
$18,377
Capitalization Rate
6.2%
6.4%
6.5%
6.7%
6.8%
7%
7.2%
7.4%
7.5%
7.7%
7.9%
8.1%
8.3%
8.5%
8.7%
8.9%
9.1%
9.3%
9.5%
9.8%
10%
10.2%
10.5%
10.7%
10.9%
11.2%
11.5%
11.7%
12%
12.3%
Cash Flow Before Taxes
$1,570
$1,804
$2,042
$2,286
$2,534
$2,788
$3,046
$3,309
$3,578
$3,852
$4,132
$4,417
$4,708
$5,005
$5,308
$5,616
$5,931
$6,253
$6,580
$6,914
$7,255
$7,603
$7,958
$8,319
$8,688
$9,065
$9,449
$9,840
$10,240
$10,647
Cash on Cash Return
4.4%
5%
5.7%
6.3%
7%
7.7%
8.5%
9.2%
9.9%
10.7%
11.5%
12.3%
13.1%
13.9%
14.7%
15.6%
16.5%
17.4%
18.3%
19.2%
20.2%
21.1%
22.1%
23.1%
24.1%
25.2%
26.2%
27.3%
28.4%
29.6%
Annual Equity Accumulation
 Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10Year 11Year 12Year 13Year 14Year 15Year 16Year 17Year 18Year 19Year 20Year 21Year 22Year 23Year 24Year 25Year 26Year 27Year 28Year 29Year 30
Property Appreciation
$6,000
$6,240
$6,490
$6,749
$7,019
$7,300
$7,592
$7,896
$8,211
$8,540
$8,881
$9,237
$9,606
$9,990
$10,390
$10,806
$11,238
$11,687
$12,155
$12,641
$13,147
$13,673
$14,220
$14,788
$15,380
$15,995
$16,635
$17,300
$17,992
$18,712
Mortgage Principal Pay Down
$1,770
$1,861
$1,956
$2,056
$2,162
$2,272
$2,388
$2,511
$2,639
$2,774
$2,916
$3,065
$3,222
$3,387
$3,560
$3,742
$3,934
$4,135
$4,346
$4,569
$4,803
$5,048
$5,307
$5,578
$5,863
$6,163
$6,479
$6,810
$7,159
$7,525
Total Equity Growth
$7,770
$8,101
$8,446
$8,805
$9,181
$9,572
$9,980
$10,406
$10,850
$11,314
$11,797
$12,302
$12,828
$13,377
$13,950
$14,548
$15,172
$15,822
$16,501
$17,210
$17,949
$18,721
$19,526
$20,366
$21,243
$22,158
$23,114
$24,110
$25,151
$26,237
Annual Tax Savings From Depreciation
 Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10Year 11Year 12Year 13Year 14Year 15Year 16Year 17Year 18Year 19Year 20Year 21Year 22Year 23Year 24Year 25Year 26Year 27Year 28Year 29Year 30
Straight Line Depreciation of Cost Basis
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$5,118
$2,559
$0
$0
Straight Line Depreciaiton of Lender Fees / Points
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
Total Straight Line Depreciation
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$2,659
$100
$100
Taxable Income Before Depreciation
$3,340
$3,665
$3,999
$4,342
$4,696
$5,060
$5,434
$5,820
$6,217
$6,626
$7,048
$7,482
$7,930
$8,392
$8,868
$9,359
$9,865
$10,387
$10,927
$11,483
$12,058
$12,651
$13,264
$13,898
$14,552
$15,228
$15,928
$16,651
$17,398
$18,172
Carry Forward Loss From Depreciation
$1,878
$3,431
$4,651
$5,527
$6,049
$6,208
$5,992
$5,390
$4,391
$2,983
$1,153
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Taxable Income Offset by Depreciation
$3,340
$3,665
$3,999
$4,342
$4,696
$5,060
$5,434
$5,820
$6,217
$6,626
$7,048
$6,371
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$5,218
$2,659
$100
$100
Remaining Taxable Income After Depreciation
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,111
$2,712
$3,174
$3,650
$4,140
$4,647
$5,169
$5,709
$6,265
$6,840
$7,433
$8,046
$8,679
$9,334
$10,010
$10,709
$13,991
$17,298
$18,072
Federal Income Tax Owed on Rental Income
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$356
$868
$1,016
$1,168
$1,325
$1,487
$1,654
$1,827
$2,005
$2,189
$2,379
$2,575
$2,777
$2,987
$3,203
$3,427
$4,477
$5,535
$5,783
Tax Savings from Depreciation
$1,069
$1,173
$1,280
$1,390
$1,503
$1,619
$1,739
$1,862
$1,989
$2,120
$2,255
$2,039
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$1,670
$851
$32
$32
Cash Flow After Taxes
$1,570
$1,804
$2,042
$2,286
$2,534
$2,788
$3,046
$3,309
$3,578
$3,852
$4,132
$4,062
$3,840
$3,989
$4,140
$4,291
$4,444
$4,598
$4,754
$4,910
$5,067
$5,224
$5,383
$5,542
$5,702
$5,862
$6,022
$5,363
$4,704
$4,864
Performance Over Time
 Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10Year 11Year 12Year 13Year 14Year 15Year 16Year 17Year 18Year 19Year 20Year 21Year 22Year 23Year 24Year 25Year 26Year 27Year 28Year 29Year 30
Fair Market Property Value at Year End
$156,000
$162,240
$168,730
$175,479
$182,498
$189,798
$197,390
$205,285
$213,497
$222,037
$230,918
$240,155
$249,761
$259,751
$270,142
$280,947
$292,185
$303,872
$316,027
$328,668
$341,815
$355,488
$369,707
$384,496
$399,875
$415,870
$432,505
$449,805
$467,798
$486,510
Cumulative Appreciation
$6,000
$12,240
$18,730
$25,479
$32,498
$39,798
$47,390
$55,285
$63,497
$72,037
$80,918
$90,155
$99,761
$109,751
$120,142
$130,947
$142,185
$153,872
$166,027
$178,668
$191,815
$205,488
$219,707
$234,496
$249,875
$265,870
$282,505
$299,805
$317,798
$336,510
Cumulative Mortgage Principal Paydown
$1,770
$3,631
$5,588
$7,644
$9,806
$12,078
$14,466
$16,977
$19,616
$22,390
$25,305
$28,371
$31,592
$34,979
$38,539
$42,281
$46,215
$50,350
$54,696
$59,265
$64,068
$69,116
$74,423
$80,001
$85,864
$92,028
$98,506
$105,316
$112,475
$120,000
Total Cumulative Equity
$37,770
$45,871
$54,317
$63,123
$72,303
$81,875
$91,856
$102,262
$113,112
$124,426
$136,224
$148,525
$161,354
$174,731
$188,681
$203,229
$218,400
$234,223
$250,724
$267,934
$285,883
$304,604
$324,130
$344,496
$365,740
$387,898
$411,012
$435,122
$460,273
$486,510
Cumulative Cash Flow Before Taxes
$1,570
$3,374
$5,416
$7,702
$10,236
$13,024
$16,069
$19,379
$22,957
$26,809
$30,941
$35,359
$40,067
$45,072
$50,380
$55,996
$61,927
$68,180
$74,760
$81,675
$88,930
$96,533
$104,491
$112,810
$121,499
$130,564
$140,012
$149,853
$160,092
$170,740
Cumulative Tax Savings From Depreciation
$1,069
$2,242
$3,521
$4,911
$6,413
$8,032
$9,771
$11,634
$13,623
$15,744
$17,999
$20,038
$21,708
$23,377
$25,047
$26,717
$28,387
$30,057
$31,727
$33,396
$35,066
$36,736
$38,406
$40,076
$41,745
$43,415
$45,085
$45,936
$45,968
$46,000
Cumulative Cash Flow After Taxes
$1,570
$3,374
$5,416
$7,702
$10,236
$13,024
$16,069
$19,379
$22,957
$26,809
$30,941
$35,003
$38,844
$42,833
$46,973
$51,264
$55,709
$60,307
$65,061
$69,970
$75,037
$80,261
$85,644
$91,186
$96,888
$102,750
$108,771
$114,135
$118,839
$123,703
Total Net Profit if Sold
-
$266
$10,235
$20,786
$31,940
$43,715
$56,134
$69,218
$82,990
$97,473
$112,692
$128,316
$144,216
$160,784
$178,042
$196,017
$214,734
$234,220
$254,502
$275,610
$297,575
$320,426
$344,198
$368,923
$394,638
$421,378
$449,183
$477,272
$505,688
$535,292
Total Return on Investment if Sold
-
0.74%
28.43%
57.74%
88.72%
121.43%
155.93%
192.27%
230.53%
270.76%
313.03%
356.43%
400.6%
446.62%
494.56%
544.49%
596.48%
650.61%
706.95%
765.58%
826.6%
890.07%
956.1%
1024.79%
1096.22%
1170.49%
1247.73%
1325.76%
1404.69%
1486.92%
Before-Tax Return on Investment if Held
25.9%
27.5%
29.1%
30.8%
32.5%
34.3%
36.2%
38.1%
40.1%
42.1%
44.2%
46.4%
48.7%
51.1%
53.5%
56%
58.6%
61.3%
64.1%
67%
70%
73.1%
76.3%
79.7%
83.1%
86.7%
90.5%
94.3%
98.3%
102.5%
After-Tax Return on Investment if Held
25.9%
27.5%
29.1%
30.8%
32.5%
34.3%
36.2%
38.1%
40.1%
42.1%
44.2%
45.5%
46.3%
48.2%
50.2%
52.3%
54.5%
56.7%
59%
61.4%
63.9%
66.5%
69.2%
72%
74.8%
77.8%
80.9%
81.9%
82.9%
86.4%
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