.calculator-wrapper {
max-width: 800px;
margin: 0 auto;
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
color: #333;
}
.calc-card {
background: #fff;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 4px 12px rgba(0,0,0,0.05);
padding: 25px;
margin-bottom: 30px;
}
.calc-title {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 24px;
font-weight: 700;
}
.input-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.input-grid {
grid-template-columns: 1fr;
}
}
.form-group {
margin-bottom: 15px;
}
.form-group label {
display: block;
margin-bottom: 8px;
font-weight: 600;
font-size: 14px;
color: #555;
}
.form-group input, .form-group select {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box; /* Ensures padding doesn't affect width */
}
.form-group input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 5px rgba(52, 152, 219, 0.3);
}
.calc-btn {
width: 100%;
padding: 12px;
background-color: #27ae60;
color: white;
border: none;
border-radius: 4px;
font-size: 18px;
font-weight: bold;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
}
.calc-btn:hover {
background-color: #219150;
}
.results-section {
background-color: #f8f9fa;
border-radius: 6px;
padding: 20px;
margin-top: 25px;
border: 1px solid #dee2e6;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
align-items: center;
padding: 10px 0;
border-bottom: 1px solid #e9ecef;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
font-weight: 600;
color: #444;
}
.result-value {
font-weight: 700;
font-size: 18px;
color: #2c3e50;
}
.positive { color: #27ae60; }
.negative { color: #c0392b; }
/* SEO Content Styles */
.seo-content {
margin-top: 40px;
line-height: 1.6;
}
.seo-content h2 {
font-size: 22px;
color: #2c3e50;
margin-top: 30px;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
}
.seo-content h3 {
font-size: 18px;
color: #34495e;
margin-top: 20px;
}
.seo-content p {
margin-bottom: 15px;
color: #555;
}
.seo-content ul {
margin-bottom: 15px;
padding-left: 20px;
}
.seo-content li {
margin-bottom: 8px;
color: #555;
}
function calculateCashFlow() {
// 1. Get Inputs
var price = parseFloat(document.getElementById('purchasePrice').value) || 0;
var downPercent = parseFloat(document.getElementById('downPayment').value) || 0;
var interestRate = parseFloat(document.getElementById('interestRate').value) || 0;
var termYears = parseFloat(document.getElementById('loanTerm').value) || 30;
var monthlyRent = parseFloat(document.getElementById('rentalIncome').value) || 0;
var annualTax = parseFloat(document.getElementById('propertyTax').value) || 0;
var annualInsurance = parseFloat(document.getElementById('insurance').value) || 0;
var monthlyMaintenance = parseFloat(document.getElementById('maintenance').value) || 0;
// 2. Calculate Mortgage (P&I)
var downAmount = price * (downPercent / 100);
var loanAmount = price – downAmount;
var monthlyRate = (interestRate / 100) / 12;
var numPayments = termYears * 12;
var monthlyMortgage = 0;
if (interestRate === 0) {
monthlyMortgage = loanAmount / numPayments;
} else {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
}
// 3. Calculate Expenses
var monthlyTax = annualTax / 12;
var monthlyInsurance = annualInsurance / 12;
var totalMonthlyExpenses = monthlyMortgage + monthlyTax + monthlyInsurance + monthlyMaintenance;
var operatingExpenses = monthlyTax + monthlyInsurance + monthlyMaintenance; // Excludes mortgage for NOI
// 4. Calculate Metrics
var monthlyCashFlow = monthlyRent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// Net Operating Income (NOI) = Income – Operating Expenses (excluding debt service)
var monthlyNOI = monthlyRent – operatingExpenses;
var annualNOI = monthlyNOI * 12;
// Cash Invested (Assuming 3% closing costs for calculation roughly + down payment)
var closingCostsEstimate = price * 0.03;
var totalCashInvested = downAmount + closingCostsEstimate;
var cashOnCash = 0;
if (totalCashInvested > 0) {
cashOnCash = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// 5. Display Results
document.getElementById('resMortgage').innerText = formatCurrency(monthlyMortgage);
document.getElementById('resExpenses').innerText = formatCurrency(totalMonthlyExpenses);
document.getElementById('resNOI').innerText = formatCurrency(monthlyNOI);
var cfElement = document.getElementById('resCashFlow');
cfElement.innerText = formatCurrency(monthlyCashFlow);
if(monthlyCashFlow >= 0) {
cfElement.className = "result-value positive";
} else {
cfElement.className = "result-value negative";
}
document.getElementById('resCoC').innerText = cashOnCash.toFixed(2) + "%";
document.getElementById('resCapRate').innerText = capRate.toFixed(2) + "%";
// Show results div
document.getElementById('results').style.display = 'block';
}
function formatCurrency(num) {
return "$" + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
Rental Property Cash Flow Calculator
30 Years
15 Years
10 Years
Analysis Results
Monthly Mortgage Payment (P&I):
$0.00
Total Monthly Expenses:
$0.00
Net Operating Income (Monthly):
$0.00
Monthly Cash Flow:
$0.00
Cash on Cash Return (Annual):
0.00%
Cap Rate:
0.00%
Understanding Rental Property Cash Flow
Investing in real estate is one of the most reliable ways to build wealth, but analyzing a deal correctly is crucial to success. Our Rental Property Cash Flow Calculator helps investors determine if a specific property will generate profit (positive cash flow) or cost money to hold (negative cash flow).
How is Cash Flow Calculated?
Cash flow is essentially the money left over after all expenses are paid. The basic formula used in this calculator is:
Cash Flow = Monthly Rental Income – Total Monthly Expenses
Total expenses include your Mortgage Payment (Principal & Interest), Property Taxes, Insurance, and other operating costs like maintenance, vacancy reserves, and HOA fees.
Key Metrics Explained
- Net Operating Income (NOI): This is the profitability of the property before factoring in the mortgage. It is calculated as Gross Income – Operating Expenses. It helps determine the raw value of the asset.
- Cash on Cash Return (CoC): This metric shows the return on the actual cash you invested (Down Payment + Closing Costs). A CoC return of 8-12% is often considered a good benchmark for rental properties.
- Cap Rate (Capitalization Rate): Calculated as NOI / Purchase Price. This percentage allows you to compare the profitability of different properties regardless of how they are financed.
Why Positive Cash Flow Matters
While property appreciation is a nice bonus, experienced investors prioritize positive cash flow. A property that generates income every month provides financial stability, buffers against market downturns, and allows you to reinvest profits into new deals. Conversely, a property with negative cash flow is a liability that drains your resources.
How to Use This Calculator
Simply enter the property's purchase price, your financing details (down payment, interest rate), expected rental income, and anticipated expenses. Be realistic with your expense estimates—always account for maintenance and potential vacancies to get an accurate picture of the investment's potential.