.calculator-container {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
padding: 20px;
background: #fff;
color: #333;
}
.calc-wrapper {
background: #f8f9fa;
border: 1px solid #e9ecef;
border-radius: 8px;
padding: 25px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
margin-bottom: 40px;
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.calc-grid {
grid-template-columns: 1fr;
}
}
.calc-section-title {
grid-column: 1 / -1;
font-size: 1.1em;
font-weight: 700;
color: #2c3e50;
margin-top: 10px;
margin-bottom: 5px;
border-bottom: 2px solid #e9ecef;
padding-bottom: 5px;
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 0.9em;
color: #555;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.input-group input:focus {
outline: none;
border-color: #4a90e2;
box-shadow: 0 0 0 2px rgba(74,144,226,0.2);
}
.calc-btn {
grid-column: 1 / -1;
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
transition: background-color 0.2s;
margin-top: 10px;
width: 100%;
}
.calc-btn:hover {
background-color: #219150;
}
.results-box {
grid-column: 1 / -1;
background: #fff;
border: 1px solid #ddd;
border-radius: 4px;
padding: 20px;
margin-top: 20px;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px dotted #eee;
}
.result-row:last-child {
border-bottom: none;
margin-bottom: 0;
padding-bottom: 0;
}
.result-label {
color: #666;
}
.result-value {
font-weight: 700;
font-size: 1.1em;
}
.final-result {
margin-top: 15px;
padding-top: 15px;
border-top: 2px solid #eee;
font-size: 1.3em;
color: #2c3e50;
}
.positive-flow { color: #27ae60; }
.negative-flow { color: #c0392b; }
/* Article Styles */
.seo-content h2 {
color: #2c3e50;
margin-top: 30px;
font-size: 1.8em;
}
.seo-content h3 {
color: #34495e;
margin-top: 25px;
font-size: 1.4em;
}
.seo-content p {
line-height: 1.6;
margin-bottom: 15px;
color: #444;
}
.seo-content ul {
margin-bottom: 20px;
padding-left: 20px;
}
.seo-content li {
margin-bottom: 8px;
line-height: 1.5;
}
function calculateRentalCashFlow() {
// 1. Get Input Values
var grossRent = parseFloat(document.getElementById('grossRent').value) || 0;
var otherIncome = parseFloat(document.getElementById('otherIncome').value) || 0;
var mortgage = parseFloat(document.getElementById('mortgagePayment').value) || 0;
var taxes = parseFloat(document.getElementById('propertyTax').value) || 0;
var insurance = parseFloat(document.getElementById('insurance').value) || 0;
var hoa = parseFloat(document.getElementById('hoaFees').value) || 0;
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value) || 0;
var repairsRate = parseFloat(document.getElementById('repairs').value) || 0;
var capexRate = parseFloat(document.getElementById('capex').value) || 0;
var mgmtRate = parseFloat(document.getElementById('mgmtFee').value) || 0;
// 2. Calculate Income
var totalMonthlyIncome = grossRent + otherIncome;
// 3. Calculate Variable Costs (Percentage based on Gross Rent usually, or Total Income)
// Note: Usually vacancy and mgmt fees are based on Rent, but for simplicity we'll base on Total Income
// to ensure conservative estimates.
var vacancyCost = totalMonthlyIncome * (vacancyRate / 100);
var repairsCost = totalMonthlyIncome * (repairsRate / 100);
var capexCost = totalMonthlyIncome * (capexRate / 100);
var mgmtCost = totalMonthlyIncome * (mgmtRate / 100);
// 4. Calculate Total Expenses
var operatingExpenses = taxes + insurance + hoa + vacancyCost + repairsCost + capexCost + mgmtCost;
var totalExpenses = operatingExpenses + mortgage;
// 5. Calculate Metrics
var noi = totalMonthlyIncome – operatingExpenses; // Net Operating Income (Income – Expenses excluding debt)
var monthlyCashFlow = totalMonthlyIncome – totalExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// 6. Display Results
document.getElementById('results').style.display = 'block';
// Helper for currency formatting
var currencyFormatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 2
});
document.getElementById('displayTotalIncome').innerText = currencyFormatter.format(totalMonthlyIncome);
document.getElementById('displayTotalExpenses').innerText = currencyFormatter.format(totalExpenses);
document.getElementById('displayNOI').innerText = currencyFormatter.format(noi);
var cashFlowEl = document.getElementById('displayCashFlow');
var annualEl = document.getElementById('displayAnnualCashFlow');
cashFlowEl.innerText = currencyFormatter.format(monthlyCashFlow);
annualEl.innerText = currencyFormatter.format(annualCashFlow);
// Conditional Styling
if (monthlyCashFlow >= 0) {
cashFlowEl.className = 'result-value positive-flow';
annualEl.className = 'result-value positive-flow';
} else {
cashFlowEl.className = 'result-value negative-flow';
annualEl.className = 'result-value negative-flow';
}
}
Rental Property Cash Flow Calculator
Income (Monthly)
Fixed Expenses (Monthly)
Variable Expenses & Reserves
Total Monthly Income:
$0.00
Total Monthly Expenses:
$0.00
Net Operating Income (NOI):
$0.00
Monthly Cash Flow:
$0.00
Annual Cash Flow:
$0.00
Understanding Rental Property Cash Flow
Investing in real estate is one of the most reliable ways to build wealth, but the success of an investment property often hinges on one critical metric: Cash Flow. This Rental Property Cash Flow Calculator is designed to help investors accurately predict the monthly profit or loss generated by a rental property after all expenses are paid.
What is Rental Cash Flow?
Cash flow is the net amount of cash moving in and out of a business or investment. For a rental property, it is calculated by taking the total income generated by the property and subtracting all associated expenses. A positive cash flow means the property is putting money into your pocket every month, while a negative cash flow means the property is costing you money to hold.
How is Cash Flow Calculated?
The formula used in our calculator follows industry standards for real estate analysis:
- Gross Income: Total rent collected plus any additional income (laundry, parking, pet fees).
- Operating Expenses: These include property taxes, insurance, HOA fees, vacancy reserves, maintenance, and property management fees.
- Net Operating Income (NOI): This is the Gross Income minus Operating Expenses. It represents the profitability of the property before debt service.
- Cash Flow: NOI minus the monthly Mortgage Payment (Principal and Interest).
The Importance of Estimating Variable Expenses
Many new investors make the mistake of only calculating the mortgage, tax, and insurance (PITI). However, true cash flow analysis must account for "hidden" or variable costs:
- Vacancy Rate: No property is occupied 100% of the time. Allocating 5-10% of rent for vacancy ensures you have cash reserves for turnover periods.
- Repairs & Maintenance: Toilets break and paint fades. Setting aside 5-10% ensures you aren't caught off guard by minor fixes.
- CapEx (Capital Expenditures): This is a reserve for big-ticket items like a new roof or HVAC system that occur infrequently but are costly.
What is a Good Cash Flow?
A "good" cash flow varies by market and investor goals. Generally, many investors aim for $100 to $300 in positive cash flow per door per month for financed properties. However, some investors prioritize appreciation over immediate cash flow, while others rely strictly on cash flow for income substitution.
Use this calculator to stress-test your potential investments. Try adjusting the vacancy rate or maintenance percentage to see how sensitive your investment is to market changes. A robust investment should remain positive even when expenses run slightly higher than anticipated.