FREE OWNER TOOL · NO SIGNUP · PRIVATE CALCULATION

How much cash could you need during a rental vacancy?

Enter your scheduled rent, monthly cash outlays, one-time turnover costs and available cash. Compare a short vacancy with a longer one—without confusing rent not collected with cash you actually need to pay.

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Your assumptions

Use a real property or leave the fictional example values. No name, address or tenant information is needed.

Your cash cushion

Two different figures, kept separate so you can see both sides of a vacancy.

Cash outlays during chosen vacancy

$4,200Monthly carrying cash + one-time costs

Scheduled rent not collected

$5,000Lost scheduled gross rent only; not added to outlays

Cash cushion remaining

$3,300Cash left after the modeled outlays

Months your cash can cover

3.8 monthsAfter one-time costs; at your monthly outlay rate

Funding gaps & stress checks

These are illustrative cash planning comparisons, not forecasts or legal advice. Lost scheduled rent is never added to actual cash outlays.

Immediate turnover-cost gap

$0Cash required before monthly vacancy outlays

Additional cash for chosen vacancy

$0Cash outlays less your available cushion, never lost scheduled rent

First cash-depletion checkpoint

—Half-month intervals over 24 months; zero means the cushion is already exhausted

Extra cash for a 3-month reserve after vacancy

$0Optional, more conservative planning target after modeled vacancy costs

Cash needed with one more vacant month

$0Illustrative extension, not predicted

Cash needed with 20% higher monthly outlays

$0Illustrative operating-cost stress, not predicted

Compare vacancy durations

Vacancy	Cash to carry	Rent not collected	Cash left

A negative cash-left amount shows how much more cash the scenario would require.

Do not add the rent-not-collected number to cash outlays. These answer different questions. Actual results depend on occupancy, billing and the costs you enter.

Saved CSV and JSON files are not encrypted. No tenant names, addresses or account details are required. Restoring a file validates all five assumptions before asking permission to replace your current values.

Calculating from example values…

OPTIONAL · LOCAL CASH CONTINGENCY PLAN

Build a timed cash contingency schedule

Compare the baseline vacancy cushion with one planned owner contribution, one unexpected cash expense and a minimum reserve floor. These are optional illustrative assumptions—not tenant payments, dates of court action or predicted outcomes.

First reserve-floor breach

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Lowest planned cash balance

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Upfront cash addition to preserve reserve floor

—

End balance versus no intervention

—

Upfront funding under combined extra month + 20% expense stress

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Half-month cash checkpoints — baseline versus selected interventions
Month	Baseline cash	Planned cash	Owner contribution	Unexpected cost	Reserve status

All amounts use whole cents and cumulative half-month checkpoints. The owner cash contribution is financing, not lower expenses or rent collected. Stress outputs are hypothetical; no legal or investment outcome is predicted.

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Calculating your private contingency plan...

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How to use your results

Want to understand where these numbers come from? Read the worked vacancy cost example and cash reserve checklist ↗.

Start with cash you must pay

Mortgage payments, HOA dues, insurance and basic utilities may continue with no tenant in place. Multiply those cash outlays by your assumed vacant period and add one-time turnover cash costs.

Show uncollected rent separately

Scheduled monthly rent multiplied by vacant months helps show revenue opportunity, but it is not the same as money leaving your account. Keeping these columns separate avoids a misleading total.

Keep a buffer, then compare scenarios

Subtract cash outlays from available cash to see whether a cushion remains. Repeat with shorter and longer vacancies. A negative result flags a modeled cash shortfall, not an investment outcome.

NEED A FULLER OWNER DECISION STUDIO?

Go beyond a vacancy cash estimate.

This free worksheet only estimates a cash cushion and scheduled rent not collected. The Pathfinder Owner Decision Studio ($29 once) helps compare vacancy, unpaid-rent, rent-adjustment and maintenance-reserve scenarios offline. If you also need payment records, source documents and a professional handoff, the Casebook + Pathfinder bundle is $49 once.

Explore Pathfinder — $29 See both tools — $49 Open the free rent ledger

This is a basic arithmetic planning worksheet, not a rental income guarantee, tax projection, investment recommendation or legal service. Your values stay in this browser.