.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; margin-bottom: 40px; }
.calc-col { display: flex; flex-direction: column; gap: 15px; }
.calc-input-group { margin-bottom: 10px; }
.calc-input-group label { display: block; margin-bottom: 5px; font-weight: 600; color: #333; font-size: 14px; }
.calc-input-group input { width: 100%; padding: 10px; border: 1px solid #ddd; border-radius: 4px; font-size: 16px; box-sizing: border-box; }
.calc-input-group input:focus { border-color: #007bff; outline: none; }
.calc-btn { background: #007bff; color: white; border: none; padding: 12px; font-size: 16px; font-weight: bold; border-radius: 4px; cursor: pointer; width: 100%; transition: background 0.2s; margin-top: 10px; }
.calc-btn:hover { background: #0056b3; }
.calc-results { background: #f8f9fa; padding: 20px; border-radius: 6px; border: 1px solid #e9ecef; }
.result-row { display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #e0e0e0; }
.result-row:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.result-label { color: #555; }
.result-value { font-weight: bold; color: #333; }
.positive-cf { color: #28a745; }
.negative-cf { color: #dc3545; }
.calc-h2 { margin-top: 0; color: #2c3e50; font-size: 24px; border-bottom: 2px solid #007bff; padding-bottom: 10px; margin-bottom: 20px; }
.article-content { line-height: 1.6; color: #444; margin-top: 40px; }
.article-content h3 { color: #2c3e50; margin-top: 25px; }
.article-content p { margin-bottom: 15px; }
.article-content ul { padding-left: 20px; }
.article-content li { margin-bottom: 8px; }
@media (max-width: 768px) { .calc-grid { grid-template-columns: 1fr; } }
function calculateCashFlow() {
// Get Input Values
var price = parseFloat(document.getElementById('propPrice').value);
var downPercent = parseFloat(document.getElementById('downPayment').value);
var rate = parseFloat(document.getElementById('intRate').value);
var years = parseFloat(document.getElementById('loanTerm').value);
var rent = parseFloat(document.getElementById('monthlyRent').value);
var tax = parseFloat(document.getElementById('annualTax').value);
var insurance = parseFloat(document.getElementById('annualIns').value);
var maintenance = parseFloat(document.getElementById('monthlyMaint').value);
// Validation
if (isNaN(price) || isNaN(downPercent) || isNaN(rate) || isNaN(years) || isNaN(rent) || isNaN(tax) || isNaN(insurance) || isNaN(maintenance)) {
alert("Please enter valid numbers in all fields.");
return;
}
// Calculations
var downAmount = price * (downPercent / 100);
var loanAmount = price – downAmount;
// Mortgage Calculation (P&I)
var monthlyRate = (rate / 100) / 12;
var numPayments = years * 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);
}
// Monthly Expenses
var monthlyTax = tax / 12;
var monthlyIns = insurance / 12;
var totalMonthlyExpenses = monthlyPI + monthlyTax + monthlyIns + maintenance;
// Cash Flow
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// Display Results
document.getElementById('resultsArea').style.display = 'block';
// Helper for currency formatting
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 2
});
document.getElementById('displayLoan').innerHTML = formatter.format(loanAmount);
document.getElementById('displayPI').innerHTML = formatter.format(monthlyPI);
document.getElementById('displayExpenses').innerHTML = formatter.format(totalMonthlyExpenses);
var cfElement = document.getElementById('displayCashFlow');
cfElement.innerHTML = formatter.format(monthlyCashFlow);
// Color coding for positive/negative cash flow
if (monthlyCashFlow >= 0) {
cfElement.className = "result-value positive-cf";
} else {
cfElement.className = "result-value negative-cf";
}
document.getElementById('displayAnnualCF').innerHTML = formatter.format(annualCashFlow);
}
Rental Property Cash Flow Calculator
Loan Amount:
Monthly Principal & Interest:
Total Monthly Expenses:
Monthly Cash Flow:
Annual Cash Flow:
Understanding Rental Property Cash Flow
Calculating cash flow is the most critical step in evaluating a rental property investment. Positive cash flow ensures that the property pays for itself and generates income for you, while negative cash flow means you are losing money every month to hold the asset.
How This Calculator Works
This tool takes into account both your financing costs (mortgage) and your operating expenses to give you a realistic picture of your monthly returns.
- Principal & Interest (P&I): Calculated based on your loan amount, interest rate, and term. This is usually your largest expense.
- Operating Expenses: Includes property taxes, insurance premiums, and maintenance costs (like HOA fees or repairs).
- Cash Flow Formula: Monthly Rent – (Mortgage + Taxes + Insurance + Maintenance) = Net Monthly Cash Flow.
What is a Good Cash Flow?
While "good" is subjective, most investors aim for at least $100-$200 per door in pure profit per month after all expenses are paid. However, in high-appreciation markets, investors might accept lower cash flow in exchange for long-term equity growth.
Tips for Improving Cash Flow
If your calculation shows negative or low cash flow, consider:
- Increasing your down payment to lower the monthly mortgage bill.
- Negotiating a lower purchase price.
- Shopping for cheaper insurance or challenging the property tax assessment.
- Looking for ways to increase rent (e.g., cosmetic renovations).