🏘️
Loading your rental P&L...
Enter your property details
—
Properties
💰
Monthly Cash Flow
—
Net after ALL expenses
📋
Total Expenses
—
Monthly outflow
📊
Expense Ratio
—
% of rent to expenses
🏠
Properties
—
In portfolio
🎯 The Verdict
Enter your property details below.
🏠 Property 1
Income and expenses for your rental
📊 P&L Dashboard
Where every dollar of rent goes
📋
Full P&L Breakdown
Every line item in your rental business
📊
Expense Ratios & Benchmarks
How your property stacks up against industry standards
📈
Annual Projection
12-month income, expenses, and cash flow forecast
Income vs Expenses
Expense Breakdown
Annual Cash Flow Projection
Expense Category Comparison
Rental Property P&L Report
Vault & Vessel Studio ·
📖
How To Use
Track your true rental profit — not the fantasy number
🚀 Getting Started
1
Enter Your Rent
Monthly rent collected. If you have multiple units or properties, enter the total or track each separately.
2
Enter ALL Expenses
Mortgage, taxes, insurance, maintenance reserve, vacancy reserve, property management, and other costs. Miss one and your "profit" is a lie.
3
See True Cash Flow
Monthly net profit after every expense. Expense ratio benchmarks. Annual projection. The real P&L — not the rent-minus-mortgage fantasy.
4
Optimize & Scale
Use the benchmarks to spot where you're overspending. Target 35-45% expense ratio for healthy cash flow.
📊 Terms Made Simple
Cash Flow: Rent minus ALL expenses (mortgage, tax, insurance, maintenance, vacancy, management). This is the actual money left in your pocket each month. Many landlords confuse "rent minus mortgage" with cash flow — it's not.
Expense Ratio: Total expenses divided by rent. Under 40% is good. 40-50% is average. Over 50% means your property is eating most of its income. Self-managed properties should target 35-45%.
Vacancy Reserve: Budget 5-8% of rent for empty months. Even great properties have turnover — painting, cleaning, showing, re-leasing takes time. Budget for it or it'll wreck your year.
Maintenance Reserve: Budget 1-2% of property value per year for repairs. A $200K property needs $2,000-4,000/yr in maintenance. Roofs, HVAC, plumbing — it's not if, it's when.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Actual expenses vary by property, location, and tenant. Consult a CPA for tax implications and accurate accounting.