Rental property calculator BC

Rental Property Cash Flow Calculator

Estimate rental cash flow, cap rate, and yield for Metro Vancouver and B.C. investors. Enter the management fee from your quote — this page does not assume a typical rate. The result is free, with no contact wall.

By Alex Lam

Use the calculator Property management

Free estimate

Estimate rental cash flow, cap rate, and yield

Enter the numbers from your deal or your management quote. The result updates without a login or contact form. Leave vacancy and management fee blank if they do not apply.

Property and rentPurchase price / current valueUsed for cap rate. Canadian dollars.Gross monthly rentScheduled rent before vacancy. The calculator annualizes this as gross potential rent.Vacancy %Optional. Blank or 0 means you are not deducting a vacancy allowance. This page does not invent a 5% default.

Property management feeManagement fee %Enter the % from your quote or agreement. Blank or 0 means you self-manage and the fee is $0. The % applies to effective gross income (collected rent after vacancy), not scheduled rent.

GST on the fee is $0 while you self-manage. Enter a management % to add an editable GST line.

Annual operating costs

Annual property taxType the annual amount. This page does not look up mill rates.Annual insuranceAnnual strata feesEnter 0 or leave blank if the property is not strata.Annual maintenance / otherRepairs, utilities you pay, and other operating costs.

Financing and cash investedMonthly mortgage paymentEnter the payment you already have, or 0 / blank for a cash purchase. This is not a mortgage calculator.

Down paymentUsed with other cash for cash-on-cash return.Other cash investedOptional closing costs or repairs you want in the cash-on-cash denominator.

Enter a purchase price and monthly rent to see NOI, cap rate, and cash flow. No email or phone is required to view the result.

What this calculator estimates.

This page is for Metro Vancouver and B.C. investors who want a transparent cash-flow and cap-rate estimate before they buy, refinance, or hire a manager. Enter purchase price or current value, rent, vacancy, operating costs, the mortgage payment you already have, and cash invested. Cap rate is a result on this page, not a second tool.

Empty homes tax, speculation and vacancy tax, CMHC premiums, income tax, and a generic mortgage engine are out of scope. Property transfer tax is a separate calculator if you are also buying.

How to use this calculator.

Start with purchase price and monthly rent. Add vacancy only if you want an allowance. Type annual property tax, insurance, strata, and maintenance from your statements. Type your monthly mortgage payment — or leave it blank for a cash deal. Down payment and other cash are only used for cash-on-cash return.

Management fee starts empty. Enter the percent from your quote or agreement, or leave it blank to self-manage. If you enter a fee, you can include B.C. GST on that fee or turn GST off. The comparison table then shows the same deal at 0% management and $0 GST.

Management fees are quoted, not assumed.

There is no typical rate baked into this page. Alex Lam is a REALTOR® and property manager at Coldwell Banker Prestige Realty. A management quote depends on the building, the service level, and the agreement. Enter your number; do not treat any percentage you see elsewhere as required.

Rental cash flow: common questions.

What is the difference between cash flow and cap rate?

Cap rate is net operating income divided by purchase price or current value. It measures the property’s unlevered yield before mortgage payments. Cash flow is NOI minus annual debt service — what is left after the mortgage. Two properties can have the same cap rate and very different cash flow if one is financed.

How should I enter vacancy?

Vacancy is optional. Leave it blank or enter 0 if you do not want an allowance. If you enter a percent, the calculator deducts that share of scheduled rent before it computes effective gross income. Management fees are then taken from that collected-rent figure, not from the rent roll.

What property management fee should I use?

Use the percent from your quote or agreement. This page does not prefill 8%, 10%, or any typical Metro Vancouver rate. Blank or 0 means you self-manage and the fee is $0. If you enter a fee, you can compare that result with a self-manage column on the same page.

Do you add GST or PST on the management fee?

Only if you enter a management percent greater than 0. GST defaults to on at 5% B.C. GST (not HST) and you can turn it off or edit the rate if your quote already includes tax. The calculator does not add PST. B.C. PST on rental property management from 1 October 2026 applies to non-residential properties only.

Does this include income tax, PTT, or a mortgage calculator?

No. Type the monthly mortgage payment you already have. The calculator does not estimate amortization, CMHC premiums, property transfer tax, empty homes tax, or personal income tax. Confirm figures with your accountant and lender.

Disclaimer

This calculator provides estimates only. It is not tax, investment, or legal advice and it does not create a property management or listing agreement. Actual cash flow depends on rent collected, expenses, financing, and tax treatment. Confirm figures with your accountant and lender.

Real estate and property management services are provided by Alex Lam Personal Real Estate Corporation through Coldwell Banker Prestige Realty.

Investing in B.C.

Use the estimate, then review the management plan.

Buying or holding a rental in Metro Vancouver? I can help you review cash flow, a quoted management fee, and the next step. The calculator result above does not require this step.

Ask about this estimate Contact Alex

Also see property management, real estate overview, realtor commission calculator, and BC property transfer tax calculator.