#rental-property-calculator-container {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #ffffff;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 30px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
#rental-property-calculator-container h2 {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 28px;
}
.rpc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.rpc-grid {
grid-template-columns: 1fr;
}
}
.rpc-input-group {
margin-bottom: 15px;
}
.rpc-input-group label {
display: block;
margin-bottom: 5px;
color: #555;
font-weight: 600;
font-size: 14px;
}
.rpc-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rpc-input-group input:focus {
border-color: #3498db;
outline: none;
}
.rpc-section-title {
grid-column: 1 / -1;
font-size: 18px;
font-weight: bold;
color: #2c3e50;
margin-top: 10px;
margin-bottom: 10px;
border-bottom: 2px solid #f0f0f0;
padding-bottom: 5px;
}
.rpc-btn-container {
grid-column: 1 / -1;
text-align: center;
margin-top: 20px;
}
button.rpc-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;
}
button.rpc-calculate-btn:hover {
background-color: #219150;
}
#rpc-result {
grid-column: 1 / -1;
margin-top: 30px;
background-color: #f8f9fa;
border-radius: 6px;
padding: 20px;
display: none;
border: 1px solid #e9ecef;
}
.rpc-result-grid {
display: grid;
grid-template-columns: repeat(2, 1fr);
gap: 15px;
margin-top: 15px;
}
.rpc-result-item {
background: white;
padding: 15px;
border-radius: 4px;
border: 1px solid #eee;
text-align: center;
}
.rpc-result-label {
display: block;
color: #7f8c8d;
font-size: 13px;
text-transform: uppercase;
letter-spacing: 1px;
margin-bottom: 5px;
}
.rpc-result-value {
display: block;
font-size: 24px;
font-weight: bold;
color: #2c3e50;
}
.rpc-positive {
color: #27ae60;
}
.rpc-negative {
color: #c0392b;
}
.rpc-article {
margin-top: 50px;
line-height: 1.6;
color: #333;
}
.rpc-article h3 {
color: #2c3e50;
margin-top: 25px;
}
.rpc-article p {
margin-bottom: 15px;
}
.rpc-article ul {
margin-bottom: 15px;
padding-left: 20px;
}
.rpc-article li {
margin-bottom: 8px;
}
function calculateRentalCashFlow() {
// Get inputs
var price = parseFloat(document.getElementById('rpc-price').value) || 0;
var downPayment = parseFloat(document.getElementById('rpc-down-payment').value) || 0;
var interestRate = parseFloat(document.getElementById('rpc-interest').value) || 0;
var loanTerm = parseFloat(document.getElementById('rpc-term').value) || 0;
var rent = parseFloat(document.getElementById('rpc-rent').value) || 0;
var vacancyRate = parseFloat(document.getElementById('rpc-vacancy').value) || 0;
var capexRate = parseFloat(document.getElementById('rpc-capex').value) || 0;
var managementRate = parseFloat(document.getElementById('rpc-management').value) || 0;
var taxYearly = parseFloat(document.getElementById('rpc-tax').value) || 0;
var insYearly = parseFloat(document.getElementById('rpc-insurance').value) || 0;
var hoaMonthly = parseFloat(document.getElementById('rpc-hoa').value) || 0;
var closingCosts = parseFloat(document.getElementById('rpc-closing').value) || 0;
// Calculations
var loanAmount = price – downPayment;
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = loanTerm * 12;
// Mortgage Payment Calculation (P&I)
var mortgagePayment = 0;
if (loanAmount > 0 && interestRate > 0) {
mortgagePayment = (loanAmount * monthlyRate) / (1 – Math.pow(1 + monthlyRate, -numberOfPayments));
} else if (loanAmount > 0 && interestRate === 0) {
mortgagePayment = loanAmount / numberOfPayments;
}
// Variable Expenses
var vacancyCost = rent * (vacancyRate / 100);
var capexCost = rent * (capexRate / 100);
var managementCost = rent * (managementRate / 100);
// Fixed Monthly Expenses
var taxMonthly = taxYearly / 12;
var insMonthly = insYearly / 12;
// Total Monthly Expenses (Operating + Debt)
var totalOperatingExpenses = taxMonthly + insMonthly + hoaMonthly + vacancyCost + capexCost + managementCost;
var totalExpenses = totalOperatingExpenses + mortgagePayment;
// Cash Flow
var cashFlow = rent – totalExpenses;
// NOI (Net Operating Income) = Income – Operating Expenses (No Mortgage)
var noi = rent – totalOperatingExpenses;
// Cash on Cash Return
var totalCashInvested = downPayment + closingCosts;
var annualCashFlow = cashFlow * 12;
var coc = 0;
if (totalCashInvested > 0) {
coc = (annualCashFlow / totalCashInvested) * 100;
}
// Formatting Function
function formatMoney(num) {
return '$' + num.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
}
// Display Results
var resultDiv = document.getElementById('rpc-result');
resultDiv.style.display = 'block';
// Cash Flow styling
var cashFlowEl = document.getElementById('rpc-display-cashflow');
cashFlowEl.innerText = formatMoney(cashFlow);
cashFlowEl.className = cashFlow >= 0 ? 'rpc-positive' : 'rpc-negative';
document.getElementById('rpc-display-income').innerText = formatMoney(rent);
document.getElementById('rpc-display-expenses').innerText = formatMoney(totalExpenses);
document.getElementById('rpc-display-noi').innerText = formatMoney(noi);
var cocEl = document.getElementById('rpc-display-coc');
cocEl.innerText = coc.toFixed(2) + '%';
cocEl.className = coc >= 0 ? 'rpc-positive' : 'rpc-negative';
}
Rental Property Cash Flow Calculator
Purchase & Loan Details
Income & Variable Expenses
Fixed Operating Expenses
Monthly Cash Flow:
Monthly Income
Total Monthly Expenses
NOI (Monthly)
Cash on Cash Return
Understanding Your Rental Property Numbers
Investing in real estate is a powerful way to build wealth, but the numbers must make sense. This Rental Property Cash Flow Calculator helps investors analyze deals by accounting for all major expenses, not just the mortgage.
What is Cash Flow?
Cash flow is the net profit you pocket every month after all operating expenses and debt service (mortgage payments) are paid. Positive cash flow means the property is generating income, while negative cash flow means you are paying out of pocket to hold the asset.
Formula: Cash Flow = Total Rental Income – (Operating Expenses + Mortgage Payment)
Key Metrics Used in This Calculator
- Vacancy Rate: Properties aren't rented 100% of the time. A standard conservative estimate is 5-8% to account for turnover periods.
- CapEx & Repairs: Even if the house is new, you must set aside money for future repairs (roof, HVAC, water heater) and general maintenance. We recommend budgeting 5-10% of gross rent.
- NOI (Net Operating Income): This represents the profitability of the property before factoring in the mortgage. It is calculated as Income minus Operating Expenses (Tax, Insurance, Maintenance, Management, etc.).
- Cash on Cash Return (CoC): This is the percentage return on the actual cash you invested (Down Payment + Closing Costs). It tells you how hard your money is working. A CoC of 8-12% is often considered a solid target for residential rentals.
How to Interpret the Results
If your Monthly Cash Flow is positive, the property pays for itself and provides passive income. If it is negative, you must decide if future appreciation justifies the monthly loss. Always ensure your "Total Monthly Expenses" estimate includes hidden costs like vacancy and maintenance to avoid surprises.