Rental Property Cash Flow Calculator
.calc-container {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
padding: 20px;
background: #fff;
color: #333;
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.calc-intro {
margin-bottom: 30px;
}
.calc-intro h2 {
font-size: 28px;
color: #2c3e50;
margin-bottom: 15px;
}
.calc-intro p {
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margin-bottom: 15px;
}
.calculator-box {
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border: 1px solid #e9ecef;
border-radius: 8px;
padding: 25px;
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.input-group input, .input-group select {
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.input-group input:focus {
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.calc-btn {
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border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 6px;
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margin-top: 20px;
width: 100%;
transition: background-color 0.2s;
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.calc-btn:hover {
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.results-section {
margin-top: 30px;
display: none;
animation: fadeIn 0.5s;
}
.result-card {
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border: 1px solid #dee2e6;
border-left: 5px solid #228be6;
padding: 20px;
margin-bottom: 20px;
border-radius: 4px;
}
.result-card.positive { border-left-color: #40c057; }
.result-card.negative { border-left-color: #fa5252; }
.result-row {
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.calc-article {
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padding-top: 30px;
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.calc-article h3 {
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margin-bottom: 12px;
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.calc-article p {
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@keyframes fadeIn {
from { opacity: 0; transform: translateY(10px); }
to { opacity: 1; transform: translateY(0); }
}
Rental Property Cash Flow Calculator
Analyze your real estate investment deals with precision. This calculator helps investors determine the viability of a rental property by calculating Cash on Cash Return, Net Operating Income (NOI), and monthly Cash Flow. Simply enter your purchase details, financing terms, and estimated expenses below.
Monthly Financial Breakdown
Gross Rent:
$0
– Vacancy Loss:
$0
– Property Management:
$0
– Repairs & CapEx:
$0
– Tax, Ins, HOA:
$0
= Net Operating Income (NOI):
$0
– Mortgage Payment (P&I):
$0
= Net Monthly Cash Flow:
$0
Understanding Rental Property Metrics
Investing in real estate requires a solid understanding of the numbers. This calculator helps you look beyond the purchase price to see the true profitability of an asset.
Net Operating Income (NOI)
NOI is a critical calculation used to analyze the profitability of income-generating real estate investments. It equals all revenue from the property, minus all necessary operating expenses. Importantly, NOI is calculated before taxes and mortgage payments. It represents the raw earning power of the property.
Cash on Cash Return (CoC)
Cash on Cash Return measures the annual return the investor made on the property in relation to the amount of mortgage paid during the same year. It is calculated by dividing the annual pre-tax cash flow by the total cash invested (Down Payment + Closing Costs + Initial Repairs).
The 50% Rule and 1% Rule
Real estate investors often use "rules of thumb" for quick screening. The 50% Rule suggests that 50% of your gross rental income will go towards expenses (excluding mortgage). The 1% Rule suggests that a property's monthly rent should be at least 1% of the purchase price to be cash flow positive. Use our detailed calculator above to verify these quick estimates.
function calculateRental() {
// 1. Get Inputs
var price = parseFloat(document.getElementById('purchasePrice').value) || 0;
var downPercent = parseFloat(document.getElementById('downPaymentPercent').value) || 0;
var interestRate = parseFloat(document.getElementById('interestRate').value) || 0;
var loanTermYears = parseFloat(document.getElementById('loanTerm').value) || 0;
var closingCosts = parseFloat(document.getElementById('closingCosts').value) || 0;
var monthlyRent = parseFloat(document.getElementById('monthlyRent').value) || 0;
var taxYearly = parseFloat(document.getElementById('propertyTax').value) || 0;
var insuranceYearly = parseFloat(document.getElementById('insurance').value) || 0;
var hoaMonthly = parseFloat(document.getElementById('hoa').value) || 0;
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value) || 0;
var repairRate = parseFloat(document.getElementById('repairRate').value) || 0;
var capexRate = parseFloat(document.getElementById('capexRate').value) || 0;
var mgmtRate = parseFloat(document.getElementById('mgmtRate').value) || 0;
// 2. Loan Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
var totalCashInvested = downPaymentAmount + closingCosts;
var monthlyMortgage = 0;
if (loanAmount > 0 && interestRate > 0 && loanTermYears > 0) {
var r = (interestRate / 100) / 12;
var n = loanTermYears * 12;
monthlyMortgage = loanAmount * ( (r * Math.pow(1 + r, n)) / (Math.pow(1 + r, n) – 1) );
}
// 3. Expense Calculations (Monthly)
var vacancyCost = monthlyRent * (vacancyRate / 100);
var repairCost = monthlyRent * (repairRate / 100);
var capexCost = monthlyRent * (capexRate / 100);
var mgmtCost = monthlyRent * (mgmtRate / 100);
var taxMonthly = taxYearly / 12;
var insuranceMonthly = insuranceYearly / 12;
var totalVariableExp = vacancyCost + repairCost + capexCost + mgmtCost;
var totalFixedExp = taxMonthly + insuranceMonthly + hoaMonthly;
var totalOperatingExp = totalVariableExp + totalFixedExp;
// 4. Metrics
var noiMonthly = monthlyRent – totalOperatingExp;
var noiAnnual = noiMonthly * 12;
var monthlyCashFlow = noiMonthly – monthlyMortgage;
var annualCashFlow = monthlyCashFlow * 12;
var capRate = (price > 0) ? (noiAnnual / price) * 100 : 0;
var cocReturn = (totalCashInvested > 0) ? (annualCashFlow / totalCashInvested) * 100 : 0;
// 5. Update UI
function fmtMoney(num) {
return '$' + num.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
}
function fmtPct(num) {
return num.toFixed(2) + '%';
}
document.getElementById('resMonthlyCashFlow').innerText = fmtMoney(monthlyCashFlow);
document.getElementById('resCocReturn').innerText = fmtPct(cocReturn);
document.getElementById('resCapRate').innerText = fmtPct(capRate);
document.getElementById('resGrossRent').innerText = fmtMoney(monthlyRent);
document.getElementById('resVacancy').innerText = '-' + fmtMoney(vacancyCost);
document.getElementById('resMgmt').innerText = '-' + fmtMoney(mgmtCost);
document.getElementById('resRepairsCapex').innerText = '-' + fmtMoney(repairCost + capexCost);
document.getElementById('resFixedExp').innerText = '-' + fmtMoney(totalFixedExp);
document.getElementById('resNOI').innerText = fmtMoney(noiMonthly);
document.getElementById('resMortgage').innerText = '-' + fmtMoney(monthlyMortgage);
document.getElementById('resFinalCashFlow').innerText = fmtMoney(monthlyCashFlow);
// Styling for positive/negative cash flow
var resBox = document.getElementById('resMonthlyCashFlow');
var card = document.getElementById('cashFlowCard');
if(monthlyCashFlow >= 0) {
resBox.style.color = '#2f9e44';
card.className = "result-card positive";
} else {
resBox.style.color = '#e03131';
card.className = "result-card negative";
}
document.getElementById('resultsArea').style.display = "block";
}