.calculator-container-wrapper {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
color: #333;
line-height: 1.6;
}
.rp-calc-box {
background: #f8f9fa;
border: 1px solid #e9ecef;
border-radius: 8px;
padding: 30px;
margin-bottom: 40px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.rp-calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.rp-calc-grid {
grid-template-columns: 1fr;
}
}
.rp-input-group {
margin-bottom: 15px;
}
.rp-input-group label {
display: block;
font-weight: 600;
margin-bottom: 5px;
font-size: 0.9em;
color: #495057;
}
.rp-input-group input, .rp-input-group select {
width: 100%;
padding: 10px;
border: 1px solid #ced4da;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rp-input-group input:focus {
border-color: #4dabf7;
outline: none;
box-shadow: 0 0 0 3px rgba(77, 171, 247, 0.2);
}
.rp-btn-container {
grid-column: 1 / -1;
text-align: center;
margin-top: 10px;
}
.rp-btn {
background-color: #228be6;
color: white;
border: none;
padding: 12px 30px;
font-size: 18px;
font-weight: bold;
border-radius: 5px;
cursor: pointer;
transition: background 0.2s;
}
.rp-btn:hover {
background-color: #1c7ed6;
}
.rp-results {
grid-column: 1 / -1;
background: #fff;
border: 1px solid #dee2e6;
border-radius: 6px;
padding: 20px;
margin-top: 20px;
display: none;
}
.rp-results.visible {
display: block;
animation: fadeIn 0.5s;
}
.rp-result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #f1f3f5;
}
.rp-result-row:last-child {
border-bottom: none;
}
.rp-result-label {
font-weight: 500;
color: #555;
}
.rp-result-value {
font-weight: 700;
color: #212529;
}
.rp-highlight {
color: #2f9e44;
font-size: 1.2em;
}
.rp-highlight-neg {
color: #e03131;
font-size: 1.2em;
}
.rp-article-content h2 {
color: #1c7ed6;
border-bottom: 2px solid #e9ecef;
padding-bottom: 10px;
margin-top: 40px;
}
.rp-article-content h3 {
color: #343a40;
margin-top: 25px;
}
.rp-article-content ul {
padding-left: 20px;
}
.rp-article-content li {
margin-bottom: 10px;
}
@keyframes fadeIn {
from { opacity: 0; transform: translateY(10px); }
to { opacity: 1; transform: translateY(0); }
}
function calculateCashFlow() {
// Get Input Values
var price = parseFloat(document.getElementById('rp_price').value);
var downPercent = parseFloat(document.getElementById('rp_down').value);
var rate = parseFloat(document.getElementById('rp_rate').value);
var termYears = parseFloat(document.getElementById('rp_term').value);
var rent = parseFloat(document.getElementById('rp_rent').value);
var annualTax = parseFloat(document.getElementById('rp_tax').value);
var annualIns = parseFloat(document.getElementById('rp_insurance').value);
var monthlyHoa = parseFloat(document.getElementById('rp_hoa').value);
var closingCosts = parseFloat(document.getElementById('rp_closing').value);
// Validation
if (isNaN(price) || isNaN(downPercent) || isNaN(rate) || isNaN(termYears) || isNaN(rent)) {
alert("Please enter valid numbers in all fields.");
return;
}
// Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
// Mortgage (PI) Calculation
var monthlyRate = (rate / 100) / 12;
var numPayments = termYears * 12;
var monthlyPI = 0;
if (rate === 0) {
monthlyPI = loanAmount / numPayments;
} else {
monthlyPI = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
}
// Expense Calculations
var monthlyTax = annualTax / 12;
var monthlyIns = annualIns / 12;
var totalMonthlyExpenses = monthlyPI + monthlyTax + monthlyIns + monthlyHoa;
// Cash Flow
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// Cash on Cash Return
var totalCashInvested = downPaymentAmount + closingCosts;
var cocReturn = 0;
if (totalCashInvested > 0) {
cocReturn = (annualCashFlow / totalCashInvested) * 100;
}
// Cap Rate (Net Operating Income / Price)
// NOI = Annual Rent – Operating Expenses (Tax + Ins + HOA). DOES NOT INCLUDE MORTGAGE.
var annualOperatingExpenses = annualTax + annualIns + (monthlyHoa * 12);
var annualNOI = (rent * 12) – annualOperatingExpenses;
var capRate = (annualNOI / price) * 100;
// Format and Display Results
document.getElementById('res_pi').innerText = "$" + monthlyPI.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_expenses').innerText = "$" + totalMonthlyExpenses.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
var cfElement = document.getElementById('res_cashflow');
cfElement.innerText = "$" + monthlyCashFlow.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
// Color coding for cash flow
if (monthlyCashFlow >= 0) {
cfElement.className = "rp-result-value rp-highlight";
} else {
cfElement.className = "rp-result-value rp-highlight-neg";
}
document.getElementById('res_coc').innerText = cocReturn.toFixed(2) + "%";
document.getElementById('res_cap').innerText = capRate.toFixed(2) + "%";
// Show results div
document.getElementById('rp_results').className = "rp-results visible";
}
Rental Property Cash Flow Calculator
30 Years
20 Years
15 Years
10 Years
Investment Analysis
Monthly Principal & Interest:
$0.00
Total Monthly Expenses:
$0.00
Net Monthly Cash Flow:
$0.00
Cash on Cash Return (CoC):
0.00%
Cap Rate:
0.00%
Is This Rental Property a Good Deal?
Understanding the numbers behind a rental property is the difference between a profitable investment and a financial burden. This Rental Property Cash Flow Calculator helps real estate investors analyze potential deals by breaking down income, expenses, and key return on investment (ROI) metrics.
Key Metrics Explained
1. Net Monthly Cash Flow
This is the profit you take home every month after all bills are paid. It is calculated as:
Cash Flow = Rental Income – (Mortgage + Taxes + Insurance + HOA/Maintenance)
A positive cash flow ensures the property pays for itself. Most investors look for at least $100-$300 per door in net positive cash flow.
2. Cash on Cash Return (CoC)
This metric tells you how hard your actual invested cash is working for you. Unlike simple ROI, it focuses only on the money you paid out of pocket (Down Payment + Closing Costs).
CoC = (Annual Cash Flow / Total Cash Invested) × 100
A CoC return of 8-12% is often considered a solid benchmark in the stock market, so real estate investors typically aim for 10% or higher to justify the illiquidity of the asset.
3. Cap Rate (Capitalization Rate)
The Cap Rate measures the property's natural rate of return assuming it was bought entirely with cash, ignoring the mortgage. It is useful for comparing the profitability of different properties regardless of how they are financed.
Cap Rate = (Net Operating Income / Purchase Price) × 100
How to Improve Your Numbers
- Increase Rent: Small annual increases or value-add renovations can significantly boost cash flow.
- Lower Interest Rates: Refinancing to a lower rate reduces your biggest expense—the mortgage payment.
- Reduce Vacancy: Long-term tenants reduce turnover costs and keep income steady.
- Shop Insurance: Property insurance rates vary wildly; get quotes annually.
Use this calculator to stress-test your deals. What happens if the interest rate goes up by 1%? What if insurance costs rise? Input different scenarios to ensure your investment remains safe.