.rental-calculator-wrapper {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
padding: 20px;
background: #fff;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.calc-header {
text-align: center;
margin-bottom: 25px;
padding-bottom: 15px;
border-bottom: 2px solid #f0f0f0;
}
.calc-header h2 {
margin: 0;
color: #2c3e50;
font-size: 24px;
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.calc-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #555;
font-size: 14px;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
transition: border-color 0.3s;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #3498db;
outline: none;
}
.section-title {
grid-column: 1 / -1;
font-size: 18px;
color: #2c3e50;
margin-top: 10px;
margin-bottom: 10px;
font-weight: 700;
border-bottom: 1px solid #eee;
padding-bottom: 5px;
}
.calc-btn {
grid-column: 1 / -1;
background: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
margin-top: 20px;
transition: background 0.2s;
width: 100%;
}
.calc-btn:hover {
background: #219150;
}
.results-section {
grid-column: 1 / -1;
background: #f8f9fa;
padding: 20px;
border-radius: 6px;
margin-top: 20px;
display: none;
border: 1px solid #e9ecef;
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px dashed #ccc;
}
.result-row:last-child {
border-bottom: none;
margin-bottom: 0;
padding-bottom: 0;
}
.result-label {
color: #555;
font-weight: 600;
}
.result-value {
font-weight: 700;
color: #2c3e50;
}
.main-result {
font-size: 1.2em;
color: #27ae60;
}
.negative {
color: #c0392b;
}
.seo-content {
margin-top: 40px;
line-height: 1.6;
color: #333;
}
.seo-content h2 {
color: #2c3e50;
margin-top: 30px;
}
.seo-content h3 {
color: #34495e;
margin-top: 20px;
}
.seo-content ul {
padding-left: 20px;
}
.seo-content li {
margin-bottom: 8px;
}
function calculateCashFlow() {
// Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value) || 0;
var downPercent = parseFloat(document.getElementById('downPaymentPercent').value) || 0;
var interest = parseFloat(document.getElementById('interestRate').value) || 0;
var term = parseFloat(document.getElementById('loanTerm').value) || 0;
var rent = parseFloat(document.getElementById('monthlyRent').value) || 0;
var vacancy = parseFloat(document.getElementById('vacancyRate').value) || 0;
var taxes = parseFloat(document.getElementById('annualTaxes').value) || 0;
var insurance = parseFloat(document.getElementById('annualInsurance').value) || 0;
var mgmtPercent = parseFloat(document.getElementById('mgmtFee').value) || 0;
var repairs = parseFloat(document.getElementById('monthlyRepairs').value) || 0;
// Loan Calculations
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var monthlyRate = (interest / 100) / 12;
var numPayments = term * 12;
var mortgagePayment = 0;
if (interest > 0 && term > 0) {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else if (interest === 0 && term > 0) {
mortgagePayment = loanAmount / numPayments;
}
// Income Calculations
var grossMonthlyIncome = rent;
var vacancyLoss = grossMonthlyIncome * (vacancy / 100);
var effectiveIncome = grossMonthlyIncome – vacancyLoss;
// Expense Calculations
var monthlyTaxes = taxes / 12;
var monthlyInsurance = insurance / 12;
var mgmtCost = effectiveIncome * (mgmtPercent / 100);
var totalOpExpenses = monthlyTaxes + monthlyInsurance + mgmtCost + repairs;
// Return Metrics
var monthlyNOI = effectiveIncome – totalOpExpenses;
var monthlyCashFlow = monthlyNOI – mortgagePayment;
var annualCashFlow = monthlyCashFlow * 12;
var annualNOI = monthlyNOI * 12;
// Estimate Closing Costs (approx 3% of purchase price) for CoC calculation
var closingCosts = price * 0.03;
var totalCashInvested = downPayment + closingCosts;
var cocReturn = 0;
if (totalCashInvested > 0) {
cocReturn = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// Formatting Function
function formatMoney(num) {
return '$' + num.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
}
function formatPercent(num) {
return num.toFixed(2) + '%';
}
// Display Results
var resultsDiv = document.getElementById('results');
resultsDiv.style.display = 'block';
document.getElementById('resNOI').innerText = formatMoney(monthlyNOI);
document.getElementById('resMortgage').innerText = formatMoney(mortgagePayment);
var cashFlowEl = document.getElementById('resCashFlow');
cashFlowEl.innerText = formatMoney(monthlyCashFlow);
if (monthlyCashFlow < 0) {
cashFlowEl.classList.add('negative');
cashFlowEl.classList.remove('main-result');
} else {
cashFlowEl.classList.remove('negative');
cashFlowEl.classList.add('main-result');
}
var annualCashFlowEl = document.getElementById('resAnnualCashFlow');
annualCashFlowEl.innerText = formatMoney(annualCashFlow);
if (annualCashFlow < 0) annualCashFlowEl.classList.add('negative');
else annualCashFlowEl.classList.remove('negative');
var cocEl = document.getElementById('resCoC');
cocEl.innerText = formatPercent(cocReturn);
if (cocReturn < 0) cocEl.classList.add('negative');
else cocEl.classList.remove('negative');
document.getElementById('resCapRate').innerText = formatPercent(capRate);
}
Rental Property Cash Flow Calculator
Purchase & Loan Details
Income & Expenses
Net Operating Income (NOI):
$0
Monthly Mortgage Payment:
$0
Monthly Cash Flow:
$0
Annual Cash Flow:
$0
Cash on Cash Return (CoC):
0%
Cap Rate:
0%
Mastering Rental Property Analysis
Investing in real estate is one of the most reliable ways to build wealth, but simply buying a property and renting it out doesn't guarantee a profit. To succeed, investors must understand the numbers behind the deal. This Rental Property Cash Flow Calculator helps you evaluate the profitability of a potential investment by breaking down income, expenses, and key return metrics.
What is Cash Flow?
Cash flow is the net amount of cash moving into or out of a business or investment. In real estate, positive cash flow occurs when a property's gross income (rent) exceeds all operating expenses and debt service (mortgage payments). A property with positive cash flow puts money in your pocket every month, while negative cash flow requires you to pay out of pocket to keep the property running.
Key Metrics Explained
- Net Operating Income (NOI): This is your total income after vacancy losses and operating expenses (taxes, insurance, repairs, management) but before paying the mortgage. It is a pure measure of the property's efficiency.
- Cash on Cash Return (CoC): This metric measures the annual return on the actual cash you invested (Down Payment + Closing Costs). It tells you how hard your money is working for you compared to other investments like stocks or bonds.
- Cap Rate (Capitalization Rate): Calculated as NOI divided by the purchase price. Cap Rate helps you compare the profitability of different properties regardless of how they are financed (cash vs. mortgage).
How to Use This Calculator
To get the most accurate results, ensure you input realistic numbers. Don't underestimate expenses like vacancy (time between tenants) or maintenance (roof repairs, HVAC issues). A common rule of thumb for maintenance is to budget 1% of the property value per year or 10% of the monthly rent.
Why "Vacancy Rate" Matters
No property is occupied 100% of the time. Tenants move out, and it takes time to clean, repair, and market the unit. A standard vacancy rate to use for conservative analysis is 5% to 8%, depending on your local market demand.