.rc-calculator-container {
max-width: 800px;
margin: 0 auto;
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
background: #f9f9f9;
padding: 30px;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0,0,0,0.1);
}
.rc-calculator-title {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 24px;
font-weight: 700;
}
.rc-input-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.rc-input-grid {
grid-template-columns: 1fr;
}
}
.rc-input-group {
margin-bottom: 15px;
}
.rc-input-group label {
display: block;
margin-bottom: 8px;
font-weight: 600;
color: #555;
font-size: 14px;
}
.rc-input-group input {
width: 100%;
padding: 12px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
transition: border-color 0.3s;
}
.rc-input-group input:focus {
border-color: #3498db;
outline: none;
}
.rc-section-header {
grid-column: 1 / -1;
font-size: 18px;
color: #34495e;
border-bottom: 2px solid #e0e0e0;
padding-bottom: 10px;
margin-top: 20px;
margin-bottom: 15px;
font-weight: bold;
}
.rc-btn-container {
grid-column: 1 / -1;
text-align: center;
margin-top: 20px;
}
.rc-calculate-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 15px 40px;
font-size: 18px;
font-weight: bold;
border-radius: 5px;
cursor: pointer;
transition: background-color 0.3s;
width: 100%;
max-width: 300px;
}
.rc-calculate-btn:hover {
background-color: #219150;
}
.rc-results-container {
background: #fff;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 25px;
margin-top: 30px;
display: none; /* Hidden by default */
}
.rc-result-row {
display: flex;
justify-content: space-between;
padding: 12px 0;
border-bottom: 1px solid #f0f0f0;
}
.rc-result-row:last-child {
border-bottom: none;
}
.rc-result-label {
color: #7f8c8d;
font-weight: 500;
}
.rc-result-value {
font-weight: 700;
color: #2c3e50;
font-size: 18px;
}
.rc-highlight {
color: #27ae60;
font-size: 22px;
}
.rc-highlight-negative {
color: #c0392b;
font-size: 22px;
}
.rc-article {
max-width: 800px;
margin: 50px auto;
font-family: 'Segoe UI', sans-serif;
line-height: 1.6;
color: #333;
}
.rc-article h2 {
color: #2c3e50;
margin-top: 30px;
}
.rc-article h3 {
color: #34495e;
margin-top: 25px;
}
.rc-article ul {
margin-bottom: 20px;
}
.rc-article li {
margin-bottom: 10px;
}
Rental Property Cash Flow Calculator
Investment Analysis
Monthly Net Cash Flow
$0.00
Cash on Cash Return (ROI)
0.00%
Cap Rate
0.00%
Monthly Income
$0.00
Monthly Expenses (Total)
$0.00
Net Operating Income (Annual)
$0.00
Total Cash Invested
$0.00
function calculateRentalCashFlow() {
// 1. Get Inputs
var price = parseFloat(document.getElementById('rc-price').value) || 0;
var downPaymentPerc = parseFloat(document.getElementById('rc-down-payment').value) || 0;
var interestRate = parseFloat(document.getElementById('rc-interest').value) || 0;
var termYears = parseFloat(document.getElementById('rc-term').value) || 0;
var closingCosts = parseFloat(document.getElementById('rc-closing-costs').value) || 0;
var rehabCosts = parseFloat(document.getElementById('rc-rehab').value) || 0;
var rent = parseFloat(document.getElementById('rc-rent').value) || 0;
var otherIncome = parseFloat(document.getElementById('rc-other-income').value) || 0;
var annualTax = parseFloat(document.getElementById('rc-property-tax').value) || 0;
var annualInsurance = parseFloat(document.getElementById('rc-insurance').value) || 0;
var monthlyHOA = parseFloat(document.getElementById('rc-hoa').value) || 0;
var maintenancePerc = parseFloat(document.getElementById('rc-maintenance').value) || 0;
var vacancyPerc = parseFloat(document.getElementById('rc-vacancy').value) || 0;
// 2. Calculate Mortgage (Principal + Interest)
var downPaymentAmount = price * (downPaymentPerc / 100);
var loanAmount = price – downPaymentAmount;
var monthlyInterestRate = (interestRate / 100) / 12;
var numberOfPayments = termYears * 12;
var monthlyMortgage = 0;
if (loanAmount > 0 && monthlyInterestRate > 0) {
monthlyMortgage = (loanAmount * monthlyInterestRate) / (1 – Math.pow(1 + monthlyInterestRate, -numberOfPayments));
} else if (loanAmount > 0) {
monthlyMortgage = loanAmount / numberOfPayments;
}
// 3. Calculate Monthly Operating Expenses
var monthlyTax = annualTax / 12;
var monthlyInsurance = annualInsurance / 12;
var monthlyMaintenance = rent * (maintenancePerc / 100);
var monthlyVacancy = rent * (vacancyPerc / 100);
var totalMonthlyOperatingExpenses = monthlyTax + monthlyInsurance + monthlyHOA + monthlyMaintenance + monthlyVacancy;
var totalMonthlyExpenses = totalMonthlyOperatingExpenses + monthlyMortgage;
// 4. Calculate Income
var totalMonthlyIncome = rent + otherIncome;
// 5. Calculate Metrics
var monthlyCashFlow = totalMonthlyIncome – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// NOI (Net Operating Income) = Income – Operating Expenses (Excluding Mortgage)
var annualNOI = (totalMonthlyIncome * 12) – (totalMonthlyOperatingExpenses * 12);
// Total Cash Invested
var totalCashInvested = downPaymentAmount + closingCosts + rehabCosts;
// Cash on Cash Return
var cocReturn = 0;
if (totalCashInvested > 0) {
cocReturn = (annualCashFlow / totalCashInvested) * 100;
}
// Cap Rate
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// 6. Update UI
document.getElementById('rc-results').style.display = 'block';
// Helper for currency formatting
function formatMoney(num) {
return '$' + num.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
}
// Cash Flow Color
var cashFlowEl = document.getElementById('rc-res-cashflow');
cashFlowEl.innerHTML = formatMoney(monthlyCashFlow);
if (monthlyCashFlow >= 0) {
cashFlowEl.className = 'rc-result-value rc-highlight';
} else {
cashFlowEl.className = 'rc-result-value rc-highlight-negative';
}
document.getElementById('rc-res-coc').innerText = cocReturn.toFixed(2) + '%';
document.getElementById('rc-res-cap').innerText = capRate.toFixed(2) + '%';
document.getElementById('rc-res-income').innerText = formatMoney(totalMonthlyIncome);
document.getElementById('rc-res-expenses').innerText = formatMoney(totalMonthlyExpenses);
document.getElementById('rc-res-noi').innerText = formatMoney(annualNOI);
document.getElementById('rc-res-invested').innerText = formatMoney(totalCashInvested);
}
Understanding Your Rental Property Analysis
Investing in real estate is a numbers game. To succeed, you must remove emotion from the equation and rely on hard data. This Rental Property Cash Flow Calculator helps you evaluate the profitability of a potential real estate investment by breaking down income, expenses, and key return on investment (ROI) metrics.
Key Metrics Explained
1. Monthly Cash Flow
This is the net amount of money putting into your pocket each month after all expenses are paid.
Formula: Total Income – (Operating Expenses + Mortgage Payment).
A positive cash flow ensures the property pays for itself and generates passive income. Most investors aim for at least $100-$200 per door per month in pure cash flow.
2. Cash on Cash Return (CoC)
This metric measures the annual return on the actual cash you invested (Down Payment + Closing Costs + Rehab). It compares real estate directly to other investments like stocks.
Formula: (Annual Cash Flow / Total Cash Invested) x 100.
A CoC return of 8-12% is generally considered solid, though this varies by market strategy.
3. Cap Rate (Capitalization Rate)
The Cap Rate indicates the rate of return on the property based on the income the property is expected to generate, assuming the property was bought with cash (no mortgage). It helps compare the profitability of similar properties regardless of financing.
Formula: (Net Operating Income / Purchase Price) x 100.
Why Factor in Vacancy and Maintenance?
Novice investors often make the mistake of calculating cash flow using only Rent minus Mortgage. This is dangerous. You must account for:
- Vacancy: Your property won't be rented 365 days a year. A 5% vacancy rate is a standard conservative estimate (about 18 days vacant per year).
- Maintenance: Roofs leak, toilets break, and paint fades. Setting aside 5-10% of monthly rent ensures you have the funds ready when repairs are needed.
- CapEx (Capital Expenditures): Major replacements like HVAC or water heaters.
How to Use This Calculator
Start by entering the Purchase Price and your financing details. Be accurate with your Interest Rate as it significantly impacts your monthly expenses. Don't forget to estimate your Property Taxes and Insurance accurately by looking at local listings or county records. Finally, adjust the Rental Income to reflect realistic market rates in the neighborhood.