.rc-row {
display: flex;
flex-wrap: wrap;
margin: 0 -10px;
}
.rc-col {
flex: 1;
padding: 0 10px;
min-width: 250px;
margin-bottom: 20px;
}
.rc-label {
display: block;
margin-bottom: 8px;
font-weight: 600;
color: #333;
font-size: 14px;
}
.rc-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:focus {
border-color: #0073aa;
outline: none;
}
.rc-btn {
background-color: #0073aa;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
width: 100%;
transition: background-color 0.3s;
}
.rc-btn:hover {
background-color: #005177;
}
.rc-results {
background-color: #fff;
border: 1px solid #e5e5e5;
padding: 25px;
border-radius: 8px;
margin-top: 20px;
display: none;
}
.rc-result-row {
display: flex;
justify-content: space-between;
align-items: center;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.rc-result-row:last-child {
border-bottom: none;
}
.rc-result-label {
color: #555;
font-size: 15px;
}
.rc-result-value {
font-weight: 800;
color: #2c3e50;
font-size: 18px;
}
.rc-result-highlight {
color: #27ae60;
font-size: 22px;
}
.rc-error {
color: #d63031;
font-size: 14px;
margin-top: 10px;
display: none;
text-align: center;
}
.rc-article {
margin-top: 40px;
line-height: 1.6;
color: #444;
}
.rc-article h2 {
color: #2c3e50;
margin-top: 30px;
}
.rc-article h3 {
color: #34495e;
margin-top: 20px;
}
.rc-article ul {
padding-left: 20px;
}
.rc-article li {
margin-bottom: 10px;
}
@media (max-width: 600px) {
.rc-col { min-width: 100%; }
}
function calculateRentalProfit() {
// Retrieve inputs
var price = parseFloat(document.getElementById('rc_purchase_price').value);
var downPercent = parseFloat(document.getElementById('rc_down_payment').value);
var interestRate = parseFloat(document.getElementById('rc_interest_rate').value);
var termYears = parseFloat(document.getElementById('rc_loan_term').value);
var rent = parseFloat(document.getElementById('rc_monthly_rent').value);
var vacancy = parseFloat(document.getElementById('rc_vacancy_rate').value);
var taxYear = parseFloat(document.getElementById('rc_annual_taxes').value);
var insYear = parseFloat(document.getElementById('rc_annual_insurance').value);
var hoaMo = parseFloat(document.getElementById('rc_monthly_hoa').value);
var capexMo = parseFloat(document.getElementById('rc_monthly_capex').value);
// Validation
var errorMsg = document.getElementById('rc_error_msg');
if (isNaN(price) || isNaN(downPercent) || isNaN(interestRate) || isNaN(termYears) ||
isNaN(rent) || isNaN(vacancy) || isNaN(taxYear) || isNaN(insYear) ||
isNaN(hoaMo) || isNaN(capexMo)) {
errorMsg.style.display = "block";
document.getElementById('rc_results_area').style.display = "none";
return;
}
errorMsg.style.display = "none";
// Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
// Mortgage Calculation (P&I)
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);
}
// Income Adjustment
var vacancyLoss = rent * (vacancy / 100);
var effectiveIncome = rent – vacancyLoss;
// Monthly Expenses
var taxMo = taxYear / 12;
var insMo = insYear / 12;
var operatingExpenses = taxMo + insMo + hoaMo + capexMo;
var totalMonthlyExpenses = monthlyMortgage + operatingExpenses;
// Profit Metrics
var monthlyCashFlow = effectiveIncome – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// NOI (Net Operating Income) = Income – Operating Expenses (Excludes Mortgage)
var monthlyNOI = effectiveIncome – operatingExpenses;
var annualNOI = monthlyNOI * 12;
// ROI Metrics
var totalCashInvested = downPaymentAmount; // Simplified to down payment for this tool
var cashOnCash = (annualCashFlow / totalCashInvested) * 100;
var capRate = (annualNOI / price) * 100;
// Formatting Output
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
});
document.getElementById('rc_res_mortgage').innerText = formatter.format(monthlyMortgage);
document.getElementById('rc_res_expenses').innerText = formatter.format(totalMonthlyExpenses);
document.getElementById('rc_res_noi').innerText = formatter.format(monthlyNOI);
var cashFlowElem = document.getElementById('rc_res_cashflow');
cashFlowElem.innerText = formatter.format(monthlyCashFlow);
if(monthlyCashFlow >= 0) {
cashFlowElem.style.color = "#27ae60";
} else {
cashFlowElem.style.color = "#d63031";
}
document.getElementById('rc_res_coc').innerText = cashOnCash.toFixed(2) + "%";
document.getElementById('rc_res_cap').innerText = capRate.toFixed(2) + "%";
document.getElementById('rc_results_area').style.display = "block";
}
Rental Property Cash Flow Calculator
Please enter valid numeric values for all fields.
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 (ROI)
0.00%
Cap Rate
0.00%
Understanding Rental Property Cash Flow
Investing in real estate is a powerful way to build wealth, but the success of a rental property hinges on the math. This Rental Property Cash Flow Calculator helps investors determine if a potential deal will generate profit (positive cash flow) or cost money (negative cash flow) every month.
What is Cash Flow?
Cash flow is the net amount of money moving in and out of your rental business. In simple terms:
Cash Flow = (Gross Rental Income – Vacancy) – (Mortgage + Operating Expenses)
Positive cash flow means the property pays for itself and provides you with income. Negative cash flow implies you must contribute money from your own pocket to keep the property running.
Key Metrics Explained
- NOI (Net Operating Income): This is your annual income minus operating expenses, before paying the mortgage. It measures the profitability of the asset itself, regardless of financing.
- Cap Rate (Capitalization Rate): Calculated as NOI divided by the purchase price. It represents the potential return on investment if you paid all cash. A higher cap rate generally indicates higher risk but higher potential return.
- Cash on Cash Return (CoC): This is the most practical metric for most investors. It measures the annual cash flow relative to the actual cash you invested (down payment). A CoC of 8-12% is often considered a solid target for rental properties.
How to Improve Cash Flow
If the calculator shows a negative or low return, consider these strategies:
- Increase Rent: Are current rents below market value? Minor renovations can often justify a rent hike.
- Reduce Vacancy: High vacancy rates kill returns. Good tenant screening and long-term leases help stabilize income.
- Refinance: Lowering your interest rate or extending the loan term can significantly reduce your monthly mortgage payment.
Use this calculator to analyze multiple scenarios before making an offer. Remember to estimate expenses like maintenance (CapEx) conservatively to avoid surprises.