Free tool · Tools & Templates

Free Rental Property Financial Tracker

Track rental income, expenses, cash flow, and property performance in one organized spreadsheet. The tracker derives NOI, cap rate, and cash-on-cash return from the numbers you enter — so you see real performance, not just rent minus the mortgage.

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Instant CSV download · Opens in Excel, Numbers, or Google Sheets · No signup required

Tracker preview

Gross scheduled rent$1,850

Total operating expenses$640

Net operating income (NOI)$1,210

Mortgage (P&I)$980

Cash flow after reserves$150

Cap rate5.8%

Cash-on-cash return6.2%

Illustrative figures only. Your results depend on your actual income, expenses, and financing.

What is included

One organized file for the whole operating picture

Income & expense tracking

Record gross rent, other income, and every Schedule E expense line in one place so your bookkeeping and your tax return agree.

Cash flow, NOI & cap rate

The tracker calculates net operating income, cap rate, and cash-on-cash return from the numbers you enter — no separate spreadsheet required.

Property performance

Track occupancy, equity, lease expirations, and reserve balances so you can review each property and your whole portfolio at a glance.

Opens anywhere

Downloads as a CSV that opens in Excel, Numbers, or Google Sheets. No macros, no plugins, no account required.

How it works

From download to a clean monthly close

Download the tracker

Click Get the Free Tracker to download a CSV. Open it in Excel, Numbers, or Google Sheets and save a copy per property.

Enter your income and expenses

Fill in gross rent, other income, and each Schedule E expense line using your actual numbers. Category names match the IRS form.

Review NOI, cap rate & cash-on-cash

The tracker derives net operating income, cap rate, and cash-on-cash return from your entries so you can see real performance.

Run a 30-minute monthly close

Reconcile accounts, confirm rent received, update the reserve balance, and record occupancy on the first business day each month.

Who it is for

Built for real rental operators

New landlords

Build your first clean bookkeeping routine before you have a year of messy transactions to reconstruct.

Growing portfolios

Compare NOI, cap rate, and cash-on-cash across every property on one consistent scale.

Self-managed owners

Charge management and reserves to the property even when you do the work, so your returns stay honest.

Frequently asked questions

Is the Rental Property Financial Tracker really free?

Yes. The tracker downloads instantly as a CSV with no email gate, no account, and no watermark. You can use it for as many properties as you own.

What does the tracker calculate?

It organizes income, Schedule E expenses, vacancy, and reserves, then derives net operating income (NOI), cap rate, cash flow after debt service, and cash-on-cash return from the figures you enter.

Does it work in Excel, Numbers, and Google Sheets?

Yes. The file is a standard CSV that opens in all three. There are no macros or plugins, so it works on any device.

Is this tax or investment advice?

No. The tracker is an educational template. It is not legal, tax, accounting, financial, or investment advice. Work with a qualified professional for your specific situation.

Do I need to give you my email to download it?

No. The download is instant. The optional newsletter signup is separate and only if you want new templates and calculator updates as we publish them.

Get the free tracker and the resources that go with it

Rental Property Financial Tracker (instant download)
Maintenance, inspection, and turnover checklists
Cash flow, cap rate, and cash-on-cash calculators
A field note and maintenance reminder every other week

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