Does your investment pay for itself? This free cash flow calculator shows what is left each month once the loan and charges are paid, in Marrakech, Agadir or the surrounding region.

How to read the cash flow?

Cash flow = monthly rent − monthly loan payment − monthly charges.

• Positive: the property generates a cash surplus every month.
• Zero: it pays for itself.
• Negative: you top it up every month (a savings effort).

Optimising your cash flow

Extending the loan term, renegotiating the rate, reducing vacancy or switching to short-term tourist rental (in Marrakech in particular) are levers to improve tight cash flow.

Improve my property’s cash flow

Frequently asked questions

Is negative cash flow a deal-breaker?

Not always: a moderate effort can still make sense if the property’s appreciation and the capital repayment build wealth. But an overly negative cash flow weakens the project.

Indicative estimate provided for information purposes only: it constitutes neither financial, tax nor legal advice, nor a guarantee of results. Actual amounts vary depending on the property, the location (Marrakech, Agadir, Taghazout, Souss region…) and market conditions. Sources: DGI (tax.gov.ma), HCP (hcp.ma).

Rental cash flow in Morocco: key points for 2026

Cash flow is what remains each month after the loan and charges. The applicable rules are based on the General Tax Code and the Finance Act; scales and rates may change every year.

How should you use the result?

This tool gives an instant estimate based on your figures. For an investment decision in Marrakech, Agadir or elsewhere in Morocco, cross-check it with our other calculators (profitability, cash flow, taxes) and have your case validated by a professional.

Support from Armonia Solutions

Armonia Solutions advises investors in Morocco, in Marrakech and Agadir, on structuring, financing and optimising their rental project.

Other frequently asked questions

Is negative cash flow a deal-breaker?

Not always: a moderate effort can still make sense if the property gains value, but an overly negative cash flow weakens the project.

Are the default values reliable?

They are 2026 orders of magnitude to adjust to your actual situation. The tool does not replace personalised advice.

To go further: discover all our free practical tools and consult the official source Haut-Commissariat au Plan (HCP).

Read also: What is the ROI in Marrakech Investment Property?