Is the property paying you?
Calculate Cash Flow Before Tax using internally derived NOI and debt service to evaluate true leveraged liquidity.
Why do investors track the Cash Flow Before Tax?
Because a property's net operating income is rarely the final amount that lands in an investor's pocket.
The Cash Flow Before Tax (CFBT) reveals the actual cash remaining in your account after accounting for the property's operating performance and the cost of your financing. Think of this as the bottom line before the government takes its share. When you finance a property, you are obligated to make debt service payments regardless of how well the property is performing. This metric ensures you understand how much actual cash your investment generates to support your lifestyle or further reinvestment, serving as a critical reality check for your leveraged returns.
Cash Flow Before Tax (CFBT)
Combined NOI and debt service underwriting engine.
Calculator · CFBT
Leveraged cash flow
Enter NOI and loan assumptions to calculate cash flow before tax from first principles.
Potential Rent Income
$
The total annual income generated from all leases combined.
Vacancy & Credit Loss
%
%
Other Income
$
$
$
$
$
$
$
Operating Expenses
$
$
$
$
$
$
$
$
Financing Inputs
$
$
Auto-calculated
$0
Loan Amount = Purchase Price - Downpayment
%
Years
Results · Live
Cash Flow Analysis
Annual and monthly CFBT from internally derived NOI and ADS.
Awaiting your figures
Fill in inputs, then hit Calculate.
Cash Flow Before Tax (Annual)
$0
$0 / month
ResidentialCash Flow
Cash Flow Health Gauge
NOI
$0
Annual Debt Service
$0
Periodic Loan Payment
$0 / mo
Monthly CFBT
$0
Loan Amount
$0
Property TypeResidential
Residential NOI Breakdown
Potential Rent Income$0
Vacancy & Credit Loss$0
Effective Gross Income$0
Other Income$0
Gross Operating Income$0
Operating Expenses$0
Net Operating Income$0
Periodic Loan Payment$0 / mo
Annual Debt Service$0
Cash Flow Before Tax$0
Monthly Cash Flow Before Tax$0
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Example & Formula · Investor Education
Cash Flow Before Tax (CFBT)
NOI is derived internally from property-type-specific income and expense inputs, then compared against annual debt service.
Formula
Loan Amount = Purchase Price − Downpayment
CFBT = Net Operating Income (NOI) − Annual Debt Service (ADS)
Step 1
Potential Rent Income
$180,000
Step 2
Vacancy & Credit Loss
$10,800
$180,000 × (5% + 1%)
Step 3
Effective Gross Income
$169,200
Step 4
Residential Other Income
$14,000
Step 5
Gross Operating Income
$183,200
Step 6
Residential Operating Expenses
$70,000
Step 7
Net Operating Income
$113,200
Step 8
Loan Amount
$2,000,000
$2,500,000 − $500,000
Step 9
Annual Debt Service
$154,632
Step 10
Cash Flow Before Tax
−$41,432
$113,200 − $154,632
Final Result · Residential
CFBT = −$41,432
Negative / Deficit: the property requires out-of-pocket funds to cover debt obligations after operating income is applied.
© Annie Scott Realty Group LLCEstimates only · not financial advice
