#rental-property-calculator-wrapper {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
padding: 20px;
background: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
}
.rpc-header {
text-align: center;
margin-bottom: 30px;
}
.rpc-header h2 {
margin: 0;
color: #2c3e50;
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;
font-weight: 600;
color: #444;
font-size: 14px;
}
.rpc-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rpc-section-title {
grid-column: 1 / -1;
font-size: 18px;
font-weight: bold;
color: #2980b9;
border-bottom: 2px solid #2980b9;
padding-bottom: 5px;
margin-top: 20px;
margin-bottom: 10px;
}
.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 30px;
font-size: 18px;
border-radius: 5px;
cursor: pointer;
transition: background 0.3s;
font-weight: bold;
}
button.rpc-calculate-btn:hover {
background-color: #219150;
}
#rpc-results {
grid-column: 1 / -1;
background: #fff;
padding: 20px;
border-radius: 8px;
border: 1px solid #ddd;
margin-top: 20px;
display: none;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.rpc-result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.rpc-result-row:last-child {
border-bottom: none;
}
.rpc-result-label {
color: #555;
font-weight: 500;
}
.rpc-result-value {
font-weight: bold;
color: #2c3e50;
}
.rpc-highlight {
font-size: 1.2em;
color: #27ae60;
}
.rpc-neg {
color: #c0392b;
}
.rpc-content {
margin-top: 40px;
line-height: 1.6;
color: #333;
}
.rpc-content h3 {
color: #2c3e50;
margin-top: 25px;
}
.rpc-content ul {
margin-bottom: 20px;
}
function calculateRentalCashFlow() {
// 1. Get Inputs
var price = parseFloat(document.getElementById('rpc_price').value);
var closingCosts = parseFloat(document.getElementById('rpc_closing_costs').value);
var downPayment = parseFloat(document.getElementById('rpc_down').value);
var interestRate = parseFloat(document.getElementById('rpc_interest').value);
var termYears = parseFloat(document.getElementById('rpc_term').value);
var monthlyRent = parseFloat(document.getElementById('rpc_rent').value);
var vacancyRate = parseFloat(document.getElementById('rpc_vacancy').value);
var annualTax = parseFloat(document.getElementById('rpc_tax').value);
var annualInsurance = parseFloat(document.getElementById('rpc_insurance').value);
var monthlyHOA = parseFloat(document.getElementById('rpc_hoa').value);
var maintenanceRate = parseFloat(document.getElementById('rpc_maintenance').value);
// Validation
if (isNaN(price) || isNaN(downPayment) || isNaN(monthlyRent)) {
alert("Please enter valid numbers for Price, Down Payment, and Rent.");
return;
}
// 2. Calculate Mortgage (P&I)
var loanAmount = price – downPayment;
var monthlyInterest = (interestRate / 100) / 12;
var totalPayments = termYears * 12;
var monthlyMortgage = 0;
if (interestRate === 0) {
monthlyMortgage = loanAmount / totalPayments;
} else {
monthlyMortgage = loanAmount * (monthlyInterest * Math.pow(1 + monthlyInterest, totalPayments)) / (Math.pow(1 + monthlyInterest, totalPayments) – 1);
}
// 3. Calculate Monthly Expenses
var monthlyVacancyCost = monthlyRent * (vacancyRate / 100);
var monthlyMaintenanceCost = monthlyRent * (maintenanceRate / 100);
var monthlyTax = annualTax / 12;
var monthlyInsurance = annualInsurance / 12;
var totalMonthlyExpenses = monthlyTax + monthlyInsurance + monthlyHOA + monthlyMaintenanceCost + monthlyVacancyCost;
// 4. Calculate Metrics
var monthlyNOI = monthlyRent – totalMonthlyExpenses;
var monthlyCashFlow = monthlyNOI – monthlyMortgage;
var annualNOI = monthlyNOI * 12;
var annualCashFlow = monthlyCashFlow * 12;
var totalCashInvested = downPayment + closingCosts;
var capRate = (annualNOI / price) * 100;
var cashOnCash = (annualCashFlow / totalCashInvested) * 100;
// 5. Display Results
document.getElementById('rpc_results').style.display = 'block';
// Formatting helper
function formatMoney(num) {
return "$" + num.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function formatPercent(num) {
return num.toFixed(2) + "%";
}
document.getElementById('rpc_res_noi').innerHTML = formatMoney(monthlyNOI);
document.getElementById('rpc_res_mortgage').innerHTML = formatMoney(monthlyMortgage);
var cfElement = document.getElementById('rpc_res_cashflow');
cfElement.innerHTML = formatMoney(monthlyCashFlow);
if (monthlyCashFlow >= 0) {
cfElement.className = "rpc-result-value rpc-highlight";
} else {
cfElement.className = "rpc-result-value rpc-neg";
}
document.getElementById('rpc_res_cap').innerHTML = formatPercent(capRate);
document.getElementById('rpc_res_coc').innerHTML = formatPercent(cashOnCash);
}
Rental Property Cash Flow Calculator
Analyze the profitability of your real estate investment instantly.
Purchase Details
Loan Details
Rental Income
Expenses
Investment Analysis
Monthly Net Operating Income (NOI):
–
Monthly Mortgage Payment (P&I):
–
Monthly Cash Flow:
–
Cap Rate:
–
Cash on Cash Return (CoC):
–
What is Rental Property Cash Flow?
Rental property cash flow is the net amount of money remaining after all expenses are paid. It is calculated by taking the total rental income and subtracting all operating expenses and debt service (mortgage payments). Positive cash flow indicates that the property is generating income, while negative cash flow means the property is costing you money to hold.
How to Calculate Rental Property Cash Flow
To accurately calculate the return on a rental property, you must account for several key variables beyond just the rent and the mortgage. This calculator breaks down the process into three main steps:
- Gross Income: The total rent collected, adjusted for vacancy losses (periods where the unit is empty).
- Operating Expenses: Costs required to run the property, including taxes, insurance, HOA fees, and maintenance reserves.
- Net Operating Income (NOI): Income minus operating expenses. This figure is crucial for calculating the Cap Rate.
- Debt Service: The principal and interest payments on your loan.
The final formula is simple: Cash Flow = NOI – Debt Service.
Understanding Key Metrics
Cap Rate (Capitalization Rate): This metric indicates the rate of return on a real estate investment property based on the income that the property is expected to generate. It is calculated by dividing the Annual NOI by the Purchase Price. A higher Cap Rate generally implies a better return, though it may come with higher risk.
Cash on Cash Return (CoC): This measures the annual return on the actual cash invested. It is calculated by dividing the Annual Cash Flow by the Total Cash Invested (Down Payment + Closing Costs). This is often considered the most important metric for investors using leverage (mortgages).