.calculator-container {
max-width: 800px;
margin: 0 auto;
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
color: #333;
line-height: 1.6;
}
.calc-wrapper {
background: #f8f9fa;
padding: 30px;
border-radius: 8px;
box-shadow: 0 4px 6px rgba(0,0,0,0.1);
margin-bottom: 40px;
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.calc-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 0.9rem;
color: #444;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 1rem;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #2c7be5;
outline: none;
}
.section-title {
grid-column: 1 / -1;
font-size: 1.1rem;
font-weight: 700;
color: #2c7be5;
margin-top: 10px;
margin-bottom: 10px;
border-bottom: 2px solid #e9ecef;
padding-bottom: 5px;
}
.calc-btn {
grid-column: 1 / -1;
background: #28a745;
color: white;
border: none;
padding: 15px;
font-size: 1.1rem;
font-weight: 700;
border-radius: 4px;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
}
.calc-btn:hover {
background: #218838;
}
.results-box {
grid-column: 1 / -1;
background: #fff;
padding: 20px;
border-radius: 4px;
border: 1px solid #e9ecef;
margin-top: 20px;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px dashed #eee;
}
.result-row.main-result {
font-size: 1.2rem;
font-weight: 800;
color: #28a745;
border-bottom: 2px solid #28a745;
padding-bottom: 15px;
margin-bottom: 15px;
}
.result-label {
color: #666;
}
.result-value {
font-weight: 700;
color: #333;
}
.seo-content {
margin-top: 40px;
}
.seo-content h2 {
color: #2c3e50;
margin-top: 30px;
}
.seo-content h3 {
color: #34495e;
margin-top: 25px;
}
.seo-content p {
color: #555;
margin-bottom: 15px;
}
.seo-content ul {
margin-bottom: 20px;
padding-left: 20px;
}
.seo-content li {
margin-bottom: 10px;
color: #555;
}
function calculateCashFlow() {
// Get inputs
var price = parseFloat(document.getElementById('purchasePrice').value);
var downPercent = parseFloat(document.getElementById('downPayment').value);
var rate = parseFloat(document.getElementById('interestRate').value);
var term = parseFloat(document.getElementById('loanTerm').value);
var rent = parseFloat(document.getElementById('monthlyRent').value);
var taxYearly = parseFloat(document.getElementById('propertyTax').value);
var insuranceYearly = parseFloat(document.getElementById('insurance').value);
var vacancyPercent = parseFloat(document.getElementById('vacancyRate').value);
var maintPercent = parseFloat(document.getElementById('maintenance').value);
var capexPercent = parseFloat(document.getElementById('capex').value);
var mgmtPercent = parseFloat(document.getElementById('managementFee').value);
var closingCosts = parseFloat(document.getElementById('closingCosts').value);
// Validation
if (isNaN(price) || isNaN(rent) || isNaN(rate)) {
alert("Please enter valid numbers for all fields.");
return;
}
// Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
// Mortgage Payment (Principal & Interest)
var monthlyRate = (rate / 100) / 12;
var numPayments = term * 12;
var mortgagePayment = 0;
if (rate === 0) {
mortgagePayment = loanAmount / numPayments;
} else {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
}
// Operating Expenses
var vacancyCost = rent * (vacancyPercent / 100);
var maintCost = rent * (maintPercent / 100);
var capexCost = rent * (capexPercent / 100);
var mgmtCost = rent * (mgmtPercent / 100);
var taxMonthly = taxYearly / 12;
var insMonthly = insuranceYearly / 12;
var totalOperatingExpenses = vacancyCost + maintCost + capexCost + mgmtCost + taxMonthly + insMonthly;
var totalExpenses = totalOperatingExpenses + mortgagePayment;
// Net Operating Income (NOI) = Income – Operating Expenses (excluding debt service)
var noi = rent – totalOperatingExpenses;
// Cash Flow = NOI – Mortgage Payment
var cashFlow = noi – mortgagePayment;
// Annualized metrics
var annualCashFlow = cashFlow * 12;
var annualNOI = noi * 12;
// Total Cash Invested
var totalCashInvested = downPaymentAmount + closingCosts;
// Cash on Cash Return = Annual Cash Flow / Total Cash Invested
var cocReturn = 0;
if (totalCashInvested > 0) {
cocReturn = (annualCashFlow / totalCashInvested) * 100;
}
// Cap Rate = Annual NOI / Purchase Price
var capRate = (annualNOI / price) * 100;
// Formatting currency
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
});
// Display Results
document.getElementById('resultBox').style.display = 'block';
document.getElementById('res_cashFlow').innerText = formatter.format(cashFlow);
document.getElementById('res_noi').innerText = formatter.format(noi);
document.getElementById('res_expenses').innerText = formatter.format(totalExpenses);
document.getElementById('res_mortgage').innerText = formatter.format(mortgagePayment);
document.getElementById('res_coc').innerText = cocReturn.toFixed(2) + "%";
document.getElementById('res_capRate').innerText = capRate.toFixed(2) + "%";
// Color coding cash flow
var cashFlowElement = document.getElementById('res_cashFlow');
if (cashFlow >= 0) {
cashFlowElement.style.color = "#28a745";
} else {
cashFlowElement.style.color = "#dc3545";
}
}
Rental Property Cash Flow Calculator
Purchase Information
Income & Expenses
Monthly Cash Flow
Net Operating Income (NOI) / Mo
Total Monthly Expenses
Monthly Mortgage Payment
Cash on Cash Return (Annual)
Cap Rate
Rental Property Cash Flow Calculator
Successful real estate investing isn't about guesswork; it is about the numbers. The Rental Property Cash Flow Calculator helps investors analyze potential deals by breaking down income, operating expenses, and debt service to determine the true profitability of an investment property.
Why Calculate Cash Flow?
Cash flow is the net amount of money moving in and out of a business. In real estate, positive cash flow means the property's income covers all expenses (mortgage, taxes, insurance, repairs) and leaves profit in your pocket every month. Negative cash flow implies you are losing money to hold the property.
Using this calculator allows you to stress-test a property before you buy. By factoring in vacancy rates and future capital expenditures (CapEx), you can avoid the common mistake of underestimating costs.
Understanding Key Real Estate Metrics
- NOI (Net Operating Income): This is your total income minus operating expenses. Crucially, NOI excludes mortgage payments. It represents the raw profitability of the property asset itself.
- Cash Flow: This is your "take-home" pay from the property. It is calculated as NOI minus Debt Service (Mortgage).
- Cash on Cash Return (CoC): This measures the return on the actual cash you invested (down payment + closing costs). It is one of the most important metrics for ROI because it tells you how hard your specific dollars are working.
- Cap Rate (Capitalization Rate): This metric helps compare different properties regardless of financing. It is calculated as Annual NOI / Purchase Price.
How to Use This Calculator
To get an accurate result, ensure you input realistic numbers for expenses. Many new investors forget to account for:
- Vacancy Rate: Properties are rarely occupied 100% of the time. A standard safety margin is 5-8%.
- Repairs & Maintenance: To handle routine fixes (leaky faucets, painting). Budgeting 5% of rent is prudent.
- CapEx (Capital Expenditures): Saving for big-ticket items like a new roof or HVAC system.
Enter your purchase details, financing terms, and estimated expenses above to instantly see if your potential deal is a wise investment.