Aft Calculator
Calculate the After-Tax Cash Flow (AFT) for an investment property. Enter income and expenses to see net cash flow after taxes.
Published by:
isCalculator Editorial Team
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How to Use the AFT Calculator
This calculator computes the After-Tax Cash Flow (AFT) for a rental property. Follow these steps:
- Enter Rental Income – Input the total annual rental income in dollars (e.g., 50000).
- Enter Other Income – Add any additional income (e.g., parking fees, laundry). Default is 0.
- Enter Operating Expenses – Include all property operating costs (e.g., maintenance, insurance) in dollars.
- Enter Interest Expense – Input annual mortgage interest paid. Default is 0.
- Enter Depreciation – Input annual depreciation amount. Default is 0.
- Enter Tax Rate – Provide your tax rate as a percentage (e.g., 30 for 30%). Must be between 0 and 100.
- Click "Calculate AFT" – The result shows the after-tax cash flow and a detailed breakdown.
Breakdown explained:
- NOI = Rental Income + Other Income – Operating Expenses
- Pre-Tax Cash Flow = NOI – Interest Expense
- Taxable Income = Pre-Tax Cash Flow – Depreciation
- Taxes Owed = Taxable Income × Tax Rate (only if positive)
- After-Tax Cash Flow = Pre-Tax Cash Flow – Taxes Owed
All inputs are in dollars except the tax rate (percentage). Ensure all values are positive or zero.
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Frequently Asked Questions
AFT stands for After-Tax Cash Flow, which is the cash flow remaining after accounting for income taxes on an investment property.
Taxable income is Net Operating Income (NOI) minus interest expense and depreciation.
If taxable income is negative, no taxes are owed, and the after-tax cash flow equals pre-tax cash flow.
