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Rental Property Cashflow ›

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Essentials Template - Excel & Google Sheets

Essentials Rental Property Cashflow Spreadsheet Template for Google Sheets & Excel

Vacancy, maintenance reserve and management fee go in as percentages that scale with the rent, so effective rent and monthly expenses are worked out rather than guessed at. The Essentials Rental Property Cashflow spreadsheet template reports net operating income with the mortgage deliberately excluded, cap rate measured independent of how the purchase was financed, and cash-on-cash return on your own money. Google Sheets and Excel, one file. No macros, no VBA.

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View Ultimate Rental Property Cashflow Spreadsheet Template
$29
Essentials Rental Property Cashflow spreadsheet template - Google Sheets and Excel preview

What's Included

  • Vacancy rate, maintenance reserve and management fee as percentages that scale with the rent
  • Effective rent and monthly expenses worked out automatically once the rates are set, not typed by hand
  • Cap rate - the return measured independent of how the purchase was financed
  • Cash-on-cash return - what your own money earned
  • Net operating income, deliberately excluding the mortgage
  • An expense ratio and the average monthly net
  • A twelve-month table recording the rent actually received
  • Two charts - cashflow month by month, and where the rent goes
  • A currency dropdown on the Dashboard that relabels money fields on both sheets
  • Works in Microsoft Excel and Google Sheets with no setup required
Ultimate Version Available

Need more from this template?

The Essentials Spreadsheet Template covers everyday tracking. The Ultimate Spreadsheet Template gives each part of the template its own sheet, with more capacity and deeper reporting on top.

Essentials - $19
  • Vacancy rate, maintenance reserve and management fee as percentages that scale with the rent
  • Effective rent and monthly expenses worked out automatically once the rates are set, not typed by hand
  • Cap rate - the return measured independent of how the purchase was financed
  • Cash-on-cash return - what your own money earned
Ultimate - $29
  • Up to five properties, each with its own column of assumptions
  • A portfolio cap rate alongside each property's own
  • Every property listed with its rent, cashflow, NOI, cap rate and cash-on-cash
  • The mortgage payment worked out from the loan, rate and term
  • Total cash invested including closing costs and refurbishment
See what's in the Ultimate version› One-time purchase. No subscription.

The FinancialAha Essentials Rental Property Cashflow Spreadsheet Template for Google Sheets and Excel is a two-sheet workbook that models one rental property, with a How to Use guide on a third tab. It works as an Essentials Rental Property Cashflow Excel template and an Essentials Rental Property Cashflow Google Sheets template from the same download. This Essentials Rental Property Cashflow spreadsheet template takes vacancy, maintenance and management as rates rather than guesses, then reports cap rate, net operating income and cash-on-cash return. No macros, no VBA.

Inside the workbook

What's inside the FinancialAha Essentials Rental Property Cashflow spreadsheet template

The FinancialAha Essentials Rental Property Cashflow Spreadsheet Template runs on two working sheets - one you fill in, one that reports back - plus the guide. It works in both Microsoft Excel and Google Sheets and here is what the Essentials Rental Property Cashflow spreadsheet holds.

  1. 01 of 02

    Property Setup

    Everything about the property in one place: the rent, the mortgage payment, the tax, the insurance and any association dues, then the purchase price and down payment that the return figures are built from. The part that changes the answer is the three percentages - vacancy, maintenance reserve and management fee. Entering those as rates rather than amounts means they scale with the rent, which is what an expense of that kind actually does. Beneath the inputs sits a twelve-month table for recording the rent actually received each month, with the expenses adjusting to it, so the projection and the year that happened sit side by side.

    FinancialAha Rental Property Cashflow spreadsheet template - Property Setup sheet

  2. 02 of 02

    Dashboard

    The property in six figures: annual cashflow, the average month, cap rate, cash-on-cash return, net operating income and the expense ratio. Two of those answer different questions and are easy to confuse - cap rate measures the property independent of how it was financed, while cash-on-cash measures what your own money earned, and a heavily financed purchase can look strong on one and weak on the other. Two charts sit alongside, one tracing cashflow month by month and the other showing where the rent actually goes.

    FinancialAha Rental Property Cashflow Google Sheets template - Dashboard sheet

  3. Included guide

    How to Use

    A step-by-step guide on its own tab, covering what each input expects, what every metric means, and how the twelve-month tracking table reads. Because it ships inside the file, the instructions travel with the template wherever it is opened.

Works in both Google Sheets and Excel

Essentials Rental Property Cashflow Spreadsheet template for Google Sheets

Upload the Essentials Rental Property Cashflow Spreadsheet Template to Drive, right-click it, and choose "Open with Google Sheets". This Essentials Rental Property Cashflow Google Sheets template needs no conversion step and both charts survive the trip intact - every metric recalculates exactly as it does in Excel. The currency dropdown on the Dashboard relabels the money fields on both sheets at once.

Essentials Rental Property Cashflow Google Sheets template setup

A shared copy of the Essentials Rental Property Cashflow Google Sheets template suits a property owned between two people or looked at with an accountant, since every assumption is gathered in one place and changing one is a visible edit. Sheets version history covers a rate typed over.

Sharing the Essentials Rental Property Cashflow Google Sheet

The Essentials Rental Property Cashflow Google Sheet is used two ways: as a model before buying, where the vacancy rate and the price get moved to see what the return does, and as a record afterwards, with the twelve-month table taking the rent actually received.

Also available as:

Essentials Rental Property Cashflow Spreadsheet template for Excel

The Essentials Rental Property Cashflow spreadsheet Excel download is a plain .xlsx. Excel opens this Essentials Rental Property Cashflow Excel template directly, with no import step and no compatibility prompt, and both charts are native Excel charts that redraw as the inputs change. There are no macros and no VBA in the file, so it opens without a security warning.

Essentials Rental Property Cashflow Excel template setup

The same Essentials Rental Property Cashflow Excel template opens in Excel on Windows, Excel on Mac, and Excel for the web. It is also the identical file you would upload to Drive, so there is no separate Essentials Rental Property Cashflow spreadsheet download to choose between.

Essentials Rental Property Cashflow spreadsheet Excel notes

The Essentials Rental Property Cashflow spreadsheet Excel file carries no macros and no VBA, so Excel opens it without a trust prompt. The same Essentials Rental Property Cashflow spreadsheet Excel download also opens in Excel for the web, which matters when a property is being looked at away from a desk.

Opening the Essentials Rental Property Cashflow spreadsheet Excel file

Nothing in the Essentials Rental Property Cashflow Excel template is version-specific, so this Essentials Rental Property Cashflow spreadsheet Excel workbook behaves identically in Excel on Windows, Excel on Mac, and older builds.

Also available as:

Spreadsheet template highlights

What the Essentials Rental Property Cashflow spreadsheet template tracks

You fill in the property; the metrics follow. These are the figures the Essentials Rental Property Cashflow Spreadsheet Template works from and returns:

Monthly Rent
the gross rent charged
Mortgage Payment
principal and interest each month
Property Tax
the annual bill expressed monthly
Insurance
the landlord premium
HOA / Condo Fees
association dues, where there are any
Vacancy Rate
a percentage, so it scales with the rent
Maintenance Reserve
also a percentage of rent
Property Management
the share taken by an agent
Purchase Price
what the property cost, and the base for cap rate
Down Payment
part of the cash invested, and the base for cash-on-cash
Monthly Cash Flow auto
derived, after every expense including the mortgage
NOI auto
derived, income less operating expenses, before financing
Cap Rate auto
derived, the return independent of how it was financed
Cash-on-Cash Return auto
derived, what your own money earned

Compare builds

FinancialAha Rental Property Cashflow spreadsheet template: Free, Essentials, and Ultimate compared

Feature Free View Spreadsheet Template Essentials This page Ultimate View Spreadsheet Template
Working sheets 1 2 6
Properties One One Up to five
Budget against actual Per line 12-month tracking Actual income by month
Vacancy and reserves Entered as lines Set as percentages Set as percentages
Cap rate – Yes Per property and portfolio
Cash-on-cash return – Yes Yes
NOI – Yes Per property
Gross rent multiplier – – Yes
Sensitivity grids – – Rent x vacancy, rent x value
Charts – 2 2

The FinancialAha Essentials Rental Property Cashflow Spreadsheet Template covers two working sheets and models one property properly. Against the Free Rental Property Cashflow Spreadsheet Template, which lists eleven flat amounts and totals them to net cashflow, this build turns vacancy, maintenance and management into rates that scale with the rent, works those rates into the effective rent and expenses automatically, and reports cap rate, net operating income, cash-on-cash return and an expense ratio - with a twelve-month tracking table and two charts. The Ultimate Rental Property Cashflow Spreadsheet Template carries up to five properties with a portfolio cap rate, adds gross rent multiplier to the return figures, and puts sensitivity grids behind them showing what rent and vacancy actually do to the answer.

Compare the other builds: Free Rental Property Cashflow spreadsheet template or the Ultimate Rental Property Cashflow spreadsheet template .

Good to know

Notes on working in the Essentials Rental Property Cashflow spreadsheet template

  • Vacancy, maintenance and management are rates here rather than amounts, which is what an expense of that kind actually does - it moves with the rent.
  • Cap rate and cash-on-cash answer different questions. One measures the property, the other measures your money, and a heavily financed purchase can look strong on one and weak on the other.
  • Net operating income deliberately excludes the mortgage, which is what makes it comparable across properties financed differently.
  • The twelve-month table is for the year that happened, not the one you projected - having both in the same workbook is the point.
  • The currency dropdown sits on the Dashboard and relabels the money fields across the whole Essentials Rental Property Cashflow spreadsheet. It changes the label only and does not convert the numbers.

How to Use the Essentials Rental Property Cashflow Spreadsheet Template

1

Enter the property

Rent, mortgage payment, tax, insurance and any association dues.

2

Set the rates

Vacancy, maintenance reserve and management fee go in as percentages.

3

Add the purchase figures

Price and down payment, which the return calculations are built from.

4

Track the year

The twelve-month table takes the rent actually received, with expenses adjusting to it.

Stress-tested with AI.

Every template starts with deep research into how people actually track the topic. We design the layout, build the formulas, and polish the design until it feels like something we would use ourselves. Along the way, we use AI to stress-test the calculations: unusual inputs, edge cases, and formula behavior, checked until the numbers hold.

See Ultimate Spreadsheet Template

Instant digital delivery · Terms & Conditions apply

Frequently Asked Questions

Is the FinancialAha Essentials Rental Property Cashflow Spreadsheet Template a Google Sheets template?

Yes. Upload the file to Drive and choose "Open with Google Sheets". The Essentials Rental Property Cashflow Google Sheets template needs no conversion step and both charts survive the trip intact.

Is the FinancialAha Essentials Rental Property Cashflow Spreadsheet Template an Excel template?

Yes. The download is a plain .xlsx, so the Essentials Rental Property Cashflow Excel template opens directly in Excel with no import step. Both charts are native Excel charts, and there are no macros or VBA.

Will the FinancialAha Essentials Rental Property Cashflow spreadsheet Excel file open in older versions of Excel?

Yes. The Essentials Rental Property Cashflow spreadsheet Excel workbook ships as a plain .xlsx, so it opens identically in current Excel and in builds that predate dynamic arrays.

What is the difference between cap rate and cash-on-cash return in the Essentials Rental Property Cashflow spreadsheet?

Cap rate measures the property independent of how it was financed; cash-on-cash measures what the money you actually put in has earned. A heavily financed purchase can look strong on one and weak on the other, which is why both are reported.

Why does the Essentials Rental Property Cashflow spreadsheet calculate net operating income without the mortgage?

Because that is what makes it comparable across properties financed differently. Two identical buildings with different loans have the same operating income and very different cashflow.

Why does the Essentials Rental Property Cashflow spreadsheet take vacancy as a rate rather than an amount?

Because it is one. A vacancy allowance, a maintenance reserve and a management fee all move with the rent, so entering them as percentages keeps the model honest when the rent changes.

How many properties does the Essentials Rental Property Cashflow spreadsheet handle?

One. The Ultimate build carries up to five with a portfolio cap rate alongside the individual figures.

Does the Essentials Rental Property Cashflow spreadsheet show what happens if the rent or the vacancy changes?

You can change an input and watch the metrics move, but there is no grid in this build. Sensitivity grids for rent against vacancy and rent against property value are on the Ultimate build.

How do I open the Essentials Rental Property Cashflow spreadsheet template in Google Sheets?

Upload the .xlsx file to Google Drive, then open it with Google Sheets. All formulas and formatting will be preserved.

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Essentials
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Highlights:

Dashboard with charts and KPIs
Pre-filled categories and sample data
No sign-up, no subscription
Lifetime free updates
Works in
Excel Google Sheets

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