Free Rental Property Cash Flow Spreadsheet Template
Track rental income and expenses for investment properties. Calculate net cash flow, cap rate, and return metrics for landlords.
What's Included
- Dashboard with property performance metrics including net cash flow, cap rate, and cash-on-cash return
- Property setup with rental income, mortgage payment, property taxes, insurance, and management fee inputs
- Net cash flow calculations subtracting all expenses from gross rental income to show monthly and annual profit
- Vacancy and maintenance reserves with percentage-based inputs that automatically reduce effective income
- Return on investment metrics with color-coded input cells (yellow) and auto-calculated performance figures (blue)
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Preview
See what's inside this template
How to Use This Rental Property Cash Flow Template
Enter property details
Input monthly rental income, mortgage payment, property taxes, insurance, and management fees on the setup sheet.
Set vacancy and maintenance
Enter vacancy rate and maintenance reserve as percentages. These reduce effective income automatically.
Review net cash flow
The template calculates monthly and annual net cash flow after all expenses and reserves are deducted from rental income.
Check return metrics
The dashboard shows cap rate, cash-on-cash return, and net operating income for evaluating property performance.
Built by Claude AI. Perfected by us.
We use Claude AI to draft each free template, after a deep research. Then our team steps in. We refine the layout, stress-test every formula, fix edge cases, and polish the design until it feels like something we would actually use ourselves. The AI gets us 80% there. The last 20% is all human judgment.
Frequently Asked Questions
What is cap rate?
Capitalization rate divides net operating income by the property purchase price. It measures the return independent of financing.
What vacancy rate should I use?
Common assumptions range from 5% to 10% depending on market conditions and property type. Enter the rate that matches your local market.
Does it include mortgage payments?
Yes. The cash flow calculation deducts the full mortgage payment (principal and interest) from rental income alongside all other expenses.
Can I track multiple properties?
This template covers one property. Duplicate the file for each rental property and track them individually.
How do I open this in Google Sheets?
Upload the .xlsx file to Google Drive, then open it with Google Sheets. All formulas and formatting will be preserved.
What license is this template under?
All free templates are released under CC BY 4.0 (Creative Commons Attribution). You can use, modify, and share them freely - including for commercial purposes - as long as you credit FinancialAha.com. They are provided as-is and do not constitute financial advice.
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