.rp-calculator-container {
max-width: 800px;
margin: 0 auto;
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
background: #ffffff;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 20px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.rp-calculator-title {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 24px;
font-weight: 700;
}
.rp-input-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.rp-input-grid {
grid-template-columns: 1fr;
}
}
.rp-input-group {
margin-bottom: 15px;
}
.rp-input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #555;
font-size: 14px;
}
.rp-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rp-input-group input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 5px rgba(52,152,219,0.2);
}
.rp-section-header {
grid-column: 1 / -1;
font-size: 18px;
color: #2980b9;
border-bottom: 2px solid #ecf0f1;
padding-bottom: 5px;
margin-top: 10px;
margin-bottom: 15px;
}
.rp-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 0.3s;
margin-top: 10px;
width: 100%;
}
.rp-calc-btn:hover {
background-color: #219150;
}
.rp-result-box {
margin-top: 30px;
padding: 20px;
background-color: #f8f9fa;
border-radius: 6px;
border-left: 5px solid #27ae60;
display: none;
}
.rp-result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px solid #eee;
}
.rp-result-row:last-child {
border-bottom: none;
margin-bottom: 0;
padding-bottom: 0;
}
.rp-result-label {
font-weight: 600;
color: #555;
}
.rp-result-value {
font-weight: 700;
color: #2c3e50;
}
.rp-highlight {
font-size: 20px;
color: #27ae60;
}
.rp-highlight-neg {
font-size: 20px;
color: #c0392b;
}
.rp-article-content {
max-width: 800px;
margin: 40px auto;
font-family: 'Segoe UI', sans-serif;
line-height: 1.6;
color: #333;
}
.rp-article-content h2 {
color: #2c3e50;
margin-top: 30px;
}
.rp-article-content h3 {
color: #2980b9;
margin-top: 20px;
}
.rp-article-content p {
margin-bottom: 15px;
}
.rp-article-content ul {
margin-bottom: 15px;
padding-left: 20px;
}
.rp-article-content li {
margin-bottom: 8px;
}
Rental Property Cash Flow Calculator
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 any rental property hinges on one critical metric: Cash Flow. This calculator helps investors determine the viability of a potential investment by breaking down income and expenses in detail.
What is Cash Flow?
Cash flow is the net amount of money moving into and out of a business or investment. In real estate, it represents the money remaining after all bills, debts, and operating expenses have been paid.
- Positive Cash Flow: You earn more in rent than it costs to own and manage the property. This is the goal for most buy-and-hold investors.
- Negative Cash Flow: The property costs you money every month. This is only acceptable if there is significant appreciation potential, but it increases risk.
How to Use This Calculator
To get an accurate picture of your potential return, you must account for all costs, not just the mortgage.
- Gross Income: Enter your expected monthly rent and any ancillary income (laundry, parking fees).
- Fixed Expenses: These are bills you must pay regardless of tenant occupancy, such as mortgage principal & interest, taxes, insurance, and HOA fees.
- Variable Expenses: These are percentage-based estimates. It is prudent to set aside money for Vacancy (typically 5-8%), Repairs (5-10%), Capital Expenditures or CapEx (replacing roofs/HVAC, 5-10%), and Property Management (8-10% if you hire a pro).
Analyzing Your Results
The Net Operating Income (NOI) shows the profitability of the property before debt service (mortgage). This number is crucial for calculating the Cap Rate.
The Monthly Cash Flow is your actual "take-home" profit. A generally accepted rule of thumb for beginners is the "1% Rule," which suggests the monthly rent should be at least 1% of the purchase price to likely generate positive cash flow, though this varies by market.
function calculateCashFlow() {
// 1. Get Inputs
var rent = parseFloat(document.getElementById('rp_monthly_rent').value);
var otherIncome = parseFloat(document.getElementById('rp_other_income').value);
var mortgage = parseFloat(document.getElementById('rp_mortgage').value);
var tax = parseFloat(document.getElementById('rp_tax').value);
var insurance = parseFloat(document.getElementById('rp_insurance').value);
var hoa = parseFloat(document.getElementById('rp_hoa').value);
var vacancyRate = parseFloat(document.getElementById('rp_vacancy').value);
var repairsRate = parseFloat(document.getElementById('rp_repairs').value);
var capexRate = parseFloat(document.getElementById('rp_capex').value);
var mgmtRate = parseFloat(document.getElementById('rp_management').value);
// Validate main input
if (isNaN(rent) || rent = 0) {
flowElement.className = "rp-result-value rp-highlight";
} else {
flowElement.className = "rp-result-value rp-highlight-neg";
}
document.getElementById('rp_res_flow_annual').innerText = formatter.format(annualCashFlow);
// Show result box
document.getElementById('rp_result_box').style.display = 'block';
}