#rental-calculator-wrapper {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #fff;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 4px 12px rgba(0,0,0,0.05);
padding: 0;
color: #333;
}
#rental-calculator-wrapper * {
box-sizing: border-box;
}
.rc-header {
background-color: #2c3e50;
color: #fff;
padding: 20px;
border-top-left-radius: 8px;
border-top-right-radius: 8px;
text-align: center;
}
.rc-header h2 {
margin: 0;
font-size: 24px;
}
.rc-container {
display: flex;
flex-wrap: wrap;
padding: 20px;
}
.rc-inputs {
flex: 1;
min-width: 300px;
padding-right: 20px;
border-right: 1px solid #eee;
}
.rc-results {
flex: 1;
min-width: 300px;
padding-left: 20px;
background-color: #f9fbfd;
border-radius: 4px;
display: flex;
flex-direction: column;
justify-content: center;
}
.rc-form-group {
margin-bottom: 15px;
}
.rc-form-group label {
display: block;
font-weight: 600;
margin-bottom: 5px;
font-size: 14px;
color: #555;
}
.rc-input-row {
display: flex;
align-items: center;
}
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background: #eee;
padding: 10px;
border: 1px solid #ccc;
border-right: none;
border-radius: 4px 0 0 4px;
color: #666;
font-weight: bold;
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.rc-input-field {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
}
.rc-input-field.has-symbol {
border-top-left-radius: 0;
border-bottom-left-radius: 0;
}
.rc-btn {
width: 100%;
background-color: #27ae60;
color: white;
padding: 15px;
border: none;
border-radius: 4px;
font-size: 18px;
font-weight: bold;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
}
.rc-btn:hover {
background-color: #219150;
}
.rc-result-card {
background: white;
border: 1px solid #e1e1e1;
padding: 15px;
margin-bottom: 10px;
border-radius: 6px;
text-align: center;
}
.rc-result-label {
font-size: 13px;
text-transform: uppercase;
color: #7f8c8d;
letter-spacing: 1px;
margin-bottom: 5px;
}
.rc-result-value {
font-size: 28px;
font-weight: 800;
color: #2c3e50;
}
.rc-result-value.positive {
color: #27ae60;
}
.rc-result-value.negative {
color: #c0392b;
}
.rc-detail-list {
list-style: none;
padding: 0;
margin: 15px 0 0 0;
font-size: 14px;
}
.rc-detail-list li {
display: flex;
justify-content: space-between;
padding: 8px 0;
border-bottom: 1px solid #eee;
}
/* Article Styles */
.rc-article {
max-width: 800px;
margin: 40px auto;
padding: 0 20px;
line-height: 1.6;
color: #333;
}
.rc-article h2 {
color: #2c3e50;
margin-top: 30px;
font-size: 24px;
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.rc-article h3 {
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font-size: 20px;
margin-top: 25px;
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.rc-article p {
margin-bottom: 15px;
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.rc-article ul {
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padding-left: 20px;
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.rc-article li {
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@media (max-width: 768px) {
.rc-container {
flex-direction: column;
}
.rc-inputs {
border-right: none;
border-bottom: 1px solid #eee;
padding-right: 0;
padding-bottom: 20px;
margin-bottom: 20px;
}
.rc-results {
padding-left: 0;
}
}
Cash on Cash Return
0.00%
-
Monthly Income:
$0
-
Monthly Mortgage (P&I):
$0
-
Monthly Expenses (Tax/Ins/HOA/Maint):
$0
-
Total Monthly Outflow:
$0
-
Net Operating Income (NOI) / Yr:
$0
Analyze Your Real Estate Investment
Investing in rental properties is one of the most reliable ways to build wealth, but simply buying a property doesn't guarantee profit. Successful real estate investors rely on accurate data to determine if a specific deal makes financial sense. This Rental Property Cash Flow Calculator helps you break down the income, expenses, and return on investment (ROI) metrics crucial for your decision-making.
Why Cash Flow is King
Cash flow is the net amount of money moving into or out of your business (in this case, your property) each month. Positive cash flow means the property pays for itself and generates profit. Negative cash flow means you are paying out of pocket to hold the asset.
To calculate cash flow, you must account for more than just the mortgage. You need to subtract property taxes, insurance, HOA fees, and critical "hidden" costs like vacancy reserves and maintenance funds.
Understanding the Key Metrics
Our calculator provides three essential metrics to evaluate your deal:
- Monthly Cash Flow: The raw profit left in your pocket every month after all expenses and debt service are paid.
- Cash on Cash Return (CoC): This measures the annual return on the actual cash you invested (Down Payment). It is calculated as (Annual Cash Flow / Total Cash Invested) × 100. A CoC return of 8-12% is often considered a solid target for rental investors.
- Cap Rate (Capitalization Rate): This metric helps you compare properties regardless of financing. It is calculated as (Net Operating Income / Purchase Price) × 100. It represents the potential return if you bought the property entirely with cash.
How to Use This Calculator
Start by entering the Purchase Price and your financing details. Be realistic about your Rental Income—check local listings for comparable properties. Don't forget to adjust the Vacancy & Maintenance Reserve; most conservative investors set aside 10% to 15% of monthly rent to cover periods without tenants and inevitable repairs.
function calculateRentalCashFlow() {
// 1. Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value);
var downPaymentPercent = parseFloat(document.getElementById('downPayment').value);
var interestRate = parseFloat(document.getElementById('interestRate').value);
var loanTermYears = parseFloat(document.getElementById('loanTerm').value);
var monthlyRent = parseFloat(document.getElementById('monthlyRent').value);
var annualTaxes = parseFloat(document.getElementById('annualTaxes').value);
var annualInsurance = parseFloat(document.getElementById('annualInsurance').value);
var monthlyHOA = parseFloat(document.getElementById('monthlyHOA').value);
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value);
// Validate inputs
if (isNaN(price) || isNaN(monthlyRent)) {
alert("Please enter valid numbers for Price and Rent.");
return;
}
// 2. Calculate Mortgage (Principal & Interest)
var downPaymentAmount = price * (downPaymentPercent / 100);
var loanAmount = price – downPaymentAmount;
var monthlyInterest = (interestRate / 100) / 12;
var totalPayments = loanTermYears * 12;
var monthlyMortgage = 0;
if (interestRate > 0) {
monthlyMortgage = loanAmount * (monthlyInterest * Math.pow(1 + monthlyInterest, totalPayments)) / (Math.pow(1 + monthlyInterest, totalPayments) – 1);
} else {
monthlyMortgage = loanAmount / totalPayments;
}
// 3. Calculate Monthly Expenses
var monthlyTaxes = annualTaxes / 12;
var monthlyInsurance = annualInsurance / 12;
var monthlyVacancyMaint = monthlyRent * (vacancyRate / 100);
// Operating Expenses (excluding mortgage)
var monthlyOperatingExpenses = monthlyTaxes + monthlyInsurance + monthlyHOA + monthlyVacancyMaint;
// Total Monthly Outflow (Operating + Debt Service)
var totalMonthlyOutflow = monthlyOperatingExpenses + monthlyMortgage;
// 4. Calculate Metrics
var monthlyCashFlow = monthlyRent – totalMonthlyOutflow;
var annualCashFlow = monthlyCashFlow * 12;
// NOI (Net Operating Income) = Annual Rent – Annual Operating Expenses
var annualNOI = (monthlyRent * 12) – (monthlyOperatingExpenses * 12);
// Cash on Cash Return
// Assuming Closing costs are roughly 3% of price for simplicity, or just use downpayment for base calculation.
// To keep it strictly based on user input, we use Down Payment as the Cash Invested.
var cashInvested = downPaymentAmount;
var cashOnCash = 0;
if (cashInvested > 0) {
cashOnCash = (annualCashFlow / cashInvested) * 100;
}
// Cap Rate
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// 5. Update UI
// Formatting helper
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 2
});
document.getElementById('resultCashFlow').innerText = formatter.format(monthlyCashFlow);
// Color coding cash flow
var flowEl = document.getElementById('resultCashFlow');
if (monthlyCashFlow >= 0) {
flowEl.classList.remove('negative');
flowEl.classList.add('positive');
} else {
flowEl.classList.remove('positive');
flowEl.classList.add('negative');
}
document.getElementById('resultCoC').innerText = cashOnCash.toFixed(2) + "%";
document.getElementById('resultCapRate').innerText = capRate.toFixed(2) + "%";
// Update Details
document.getElementById('detailIncome').innerText = formatter.format(monthlyRent);
document.getElementById('detailMortgage').innerText = formatter.format(monthlyMortgage);
document.getElementById('detailExpenses').innerText = formatter.format(monthlyOperatingExpenses);
document.getElementById('detailTotalOut').innerText = formatter.format(totalMonthlyOutflow);
document.getElementById('detailNOI').innerText = formatter.format(annualNOI);
}
// Initial Calculation on load
window.onload = function() {
calculateRentalCashFlow();
};