Cash Flow After Tax

Cash remaining after all expenses, debt service, and estimated taxes.

Example Result

Sample Data

-$4,023

Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.

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Cash Flow After Tax Formula

Monthly (CFBT − Estimated Income Tax) ÷ 12 -$335/mo

Annual CFBT − Estimated Income Tax -$4,023/yr

CFBT -$4,023

- Estimated Income Tax $0

= Cash Flow After Tax -$4,023

What This Means

A sample property priced at $385,000 with $2,850/month rent has a cash flow after tax of -$4,023 at Purchase (Month 0). CFAT shows your actual take-home cash after Uncle Sam gets his share. Real estate offers powerful tax advantages (depreciation, interest deductions) that often make CFAT higher than you might expect. Comparing CFBT vs CFAT reveals the tax efficiency of your investment.

Where This Value Comes From

Cash Flow After Tax is not entered directly — it is calculated from Cash Flow Before Tax, Income Tax Rate, and Estimated Income Tax. See the formula breakdown above and the detailed inputs below.

Inputs That Determine Cash Flow After Tax

Cash Flow Before Tax

Cash remaining after operating expenses and debt service.

-$4,023

Purchase

Income Tax Rate

Your marginal income tax rate applied to rental income.

Found on your tax return

24.00%

Purchase

Estimated Income Tax

Estimated annual income tax on rental income

Calculations That Use Cash Flow After Tax

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Why It Matters

CFAT shows your actual take-home cash after Uncle Sam gets his share. Real estate offers powerful tax advantages (depreciation, interest deductions) that often make CFAT higher than you might expect. Comparing CFBT vs CFAT reveals the tax efficiency of your investment.

Detailed Explanation

Cash Flow After Tax (CFAT) is the final bottom-line cash flow number. It takes CFBT and subtracts estimated income taxes on the rental income, accounting for deductions like mortgage interest and depreciation. This is the true net cash return.