1. Build the carrying-cost baseline
Mortgage or debt service + taxes/insurance + other recurring expenses becomes the monthly carrying cost used for runway.
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Free landlord stress test
How Long Could Your Rental Survive a Bad Year?
Stress-test one property reserve against vacancy, missed rent, repair shocks and turnover costs. Compare baseline and stressed balances, find a modeled shortfall, and print or copy your mini-report without creating an account.
No account requiredNo email gateSupports USD, GBP, CAD and AUD
What this stress test separates
Cash carrying costs that must still be paid when rent stops.
One-time shocks such as a repair or turnover expense.
Reserve runway before and after the selected stress.
Rental cash runway
Stress-test one rental and one scenario.
Enter the rental’s normal monthly carrying costs, current reserve and a few stress assumptions. Compare normal cash flow with stress, find a potential shortfall and print or copy your mini-report.
Normal monthly position
Monthly carrying cost
$1,850
Normal monthly cash flow
$350
Carrying cost is mortgage/debt service + taxes/insurance + other recurring expenses entered above. It is a cash-planning measure, not an accounting or tax classification.
Stress assumptions
Months used by Missed rent + turnover. Each planning month is 30 days.
Months used by vacancy scenarios. Enter 1.5 for 45 days.
Selected scenario
Vacancy + repair
Reserve impact is based on carrying costs during months with no rent plus the one-time cost included by the selected scenario.
Reserve runway before stress
4.3 months
This is current reserve ÷ monthly carrying cost. It answers how many months of the entered carrying costs the reserve could cover if rent stopped completely.
Cash required by stress
$6,350
$1,850 carrying costs + $4,500 one-time costs
Foregone rent
$2,200
1.0 month with no rent
Reserve remaining
$1,650
Reserve after paying the selected stress cash requirement.
Runway after stress
0.9 months
Remaining reserve ÷ monthly carrying cost.
After this selected stress, the entered reserve would have $1,650 remaining, equal to about 0.9 months of the entered carrying costs.
Planning only. The tool does not predict nonpayment, vacancy, repair timing, financing changes or future expenses, and it is not accounting, tax, legal, lending or investment advice.
Your cash-flow mini-report
Compare the baseline with the stress.
A projection from your entries, calculated in your browser. Surplus cash is retained in the reserve.
Vacancy + repair · USD · 12 planning months
The modeled balance stays at or above zero throughout 12 planning months.
Lowest modeled balance
$1,650.00
Additional starting reserve to avoid a shortfall
$0.00
After 12 planning months: $12,200.00 baseline and $5,500.00 under stress. A later recovery does not erase an earlier shortfall.
Monthly balances and dates
| Period | Baseline | Stress |
|---|---|---|
| Month 0 | $8,000.00 | $3,500.00 |
| Month 1 | $8,350.00 | $1,650.00 |
| Month 2 | $8,700.00 | $2,000.00 |
| Month 3 | $9,050.00 | $2,350.00 |
| Month 4 | $9,400.00 | $2,700.00 |
| Month 5 | $9,750.00 | $3,050.00 |
| Month 6 | $10,100.00 | $3,400.00 |
| Month 7 | $10,450.00 | $3,750.00 |
| Month 8 | $10,800.00 | $4,100.00 |
| Month 9 | $11,150.00 | $4,450.00 |
| Month 10 | $11,500.00 | $4,800.00 |
| Month 11 | $11,850.00 | $5,150.00 |
| Month 12 | $12,200.00 | $5,500.00 |
Inputs and assumptions travel with this report.
Monthly rent $2,200.00; monthly carrying costs $1,850.00; opening reserve $8,000.00; no rent for 30 days; one-time expense $4,500.00.
Each planning month has 30 days; calendar dates add those model days to your chosen start. Rent and expenses accrue evenly. The one-time expense is paid at the start; rent resumes in full after the no-rent period. Surplus stays in reserve. Actual payment due dates can create earlier shortfalls. There are no owner withdrawals, financing changes, rent growth or investment returns in this model.
The reserve-cost summary above measures stress expenses only. This projection also includes net cash flow over time. Neither is a prediction or accounting, tax, legal, lending or investment advice.
Your entries are not sent by this tool or included in a share URL. Copy or save only figures you want to share.
Acrelio · acrelio.app/tools/rental-cash-runway
How the runway math works
Make reserve pressure visible without pretending to predict the future.
The tool uses only the values you enter and keeps cash expense, foregone rent and reserve coverage separate.
2. Apply one stress scenario
Months with no rent consume monthly carrying costs. The selected repair or turnover cost is then added when that scenario includes it.
3. Measure reserve coverage
Current reserve minus the selected stress cash requirement shows remaining reserve or shortfall; remaining reserve ÷ monthly carrying cost shows post-stress runway.
Questions, answered
Rental cash runway FAQ
What does rental cash runway mean here?
Runway is the number of months the entered reserve could cover the entered monthly carrying costs. It is a simple cash-planning measure, not a forecast of an actual bank balance.
Why is lost rent shown separately from cash required?
Foregone rent is lost income, while the cash requirement measures expenses that must actually be paid from reserve during the selected stress. Keeping them separate avoids counting the same stress twice.
What counts as monthly carrying cost?
The public tool adds the monthly mortgage or debt service, taxes or insurance and other recurring carrying expenses entered by the landlord.
What scenarios can I test?
The tool includes Normal, Vacancy, Repair shock, Vacancy + repair, and Missed rent + turnover. Each scenario uses only the assumptions relevant to that scenario.
Can I save or share my stress-test report?
Yes. Compare normal rent with your selected stress over 12 or 24 planning months, see the first modeled shortfall and copy a summary or print it to a PDF. The report includes your entries and assumptions; review those figures before sharing. This tool does not upload your entries or call a live language model.
Is this the same as Acrelio Pro Net Cash Horizon?
No. This free tool models one property and one selected scenario from manual inputs. Acrelio Pro Net Cash Horizon is a connected portfolio-level planning feature that uses Acrelio records and scenario assumptions across the landlord portfolio.
From one rental to the whole portfolio.
This is one property and one scenario. Acrelio Pro monitors cash horizon across your entire portfolio.
Cash-Flow Forecasting and Cross-Portfolio Net Cash Horizon use connected Acrelio records and scenario assumptions to give landlords a broader forward-looking planning view.