Rental Cash Flow Tracker Spreadsheet — Per-Property Monthly Cash Flow, Cash-on-Cash & Cap Rate Dashboard (Excel + Google Sheets)

"Rent minus mortgage" is not profit — this tracker proves it, line by line, every month. Track each rental property month by month: rent and other income on one side; mortgage principal & interest, taxes, insurance, HOA, maintenance, management, and — the two lines most landlords skip — vacancy reserve and CapEx reserve on the other. The spreadsheet does the rest: total income, total expenses, NOI, monthly cash flow, and cash-flow margin, all by formula. The 12-month roll-up dashboard totals the whole year per property and calculates your cash-on-cash return and cap rate automatically, plus a month-by-month view across your whole portfolio so you can see the lean months coming instead of being surprised by them.

What's included: Rental-Cash-Flow-Tracker.xlsx (Excel; imports cleanly into Google Sheets); Property Setup sheet — purchase price, down payment, closing costs, cash invested; Monthly Tracker — 12 months × multiple properties, EXAMPLE data for 2 properties pre-filled; Dashboard — annual totals per property, cash-on-cash return, cap rate, portfolio totals, month-by-month roll-up. No macros. Yellow cells are inputs; everything else is a live formula.

Who it's for: landlords with 1–10 units who want the real number, not the listing number.

This workbook is for general education and personal organization only. It is not financial, tax, legal, or investment advice.