.rp-calc-header {
text-align: center;
margin-bottom: 30px;
}
.rp-calc-header h2 {
margin: 0;
color: #2c3e50;
font-size: 24px;
}
.rp-calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.rp-calc-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 #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rp-input-group input:focus {
border-color: #3498db;
outline: none;
}
.rp-section-title {
grid-column: 1 / -1;
font-size: 18px;
font-weight: bold;
color: #2c3e50;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
margin-top: 20px;
margin-bottom: 15px;
}
.rp-btn-container {
grid-column: 1 / -1;
text-align: center;
margin-top: 20px;
}
.rp-calc-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
border-radius: 5px;
cursor: pointer;
transition: background-color 0.3s;
width: 100%;
max-width: 300px;
}
.rp-calc-btn:hover {
background-color: #219150;
}
.rp-results-area {
margin-top: 30px;
background-color: #f8f9fa;
border: 1px solid #e9ecef;
border-radius: 8px;
padding: 20px;
display: none;
}
.rp-results-grid {
display: grid;
grid-template-columns: repeat(2, 1fr);
gap: 15px;
}
.rp-result-item {
background: white;
padding: 15px;
border-radius: 6px;
box-shadow: 0 1px 3px rgba(0,0,0,0.1);
text-align: center;
}
.rp-result-label {
display: block;
font-size: 13px;
color: #7f8c8d;
text-transform: uppercase;
letter-spacing: 0.5px;
}
.rp-result-value {
display: block;
font-size: 24px;
font-weight: bold;
color: #2c3e50;
margin-top: 5px;
}
.rp-main-result {
grid-column: 1 / -1;
background-color: #e8f6f3;
border: 1px solid #d4efdf;
}
.rp-main-result .rp-result-value {
color: #27ae60;
font-size: 32px;
}
.rp-article-content {
margin-top: 50px;
line-height: 1.6;
color: #333;
}
.rp-article-content h3 {
color: #2c3e50;
margin-top: 25px;
}
.rp-article-content ul {
padding-left: 20px;
}
.rp-article-content li {
margin-bottom: 10px;
}
function calculateRentalProperty() {
// 1. Get Input Values
var price = parseFloat(document.getElementById('rp_price').value) || 0;
var downPercent = parseFloat(document.getElementById('rp_down').value) || 0;
var rate = parseFloat(document.getElementById('rp_rate').value) || 0;
var termYears = parseFloat(document.getElementById('rp_term').value) || 0;
var closingCosts = parseFloat(document.getElementById('rp_closing').value) || 0;
var monthlyRent = parseFloat(document.getElementById('rp_rent').value) || 0;
var annualTax = parseFloat(document.getElementById('rp_tax').value) || 0;
var annualIns = parseFloat(document.getElementById('rp_insurance').value) || 0;
var vacancyRate = parseFloat(document.getElementById('rp_vacancy').value) || 0;
var maintRate = parseFloat(document.getElementById('rp_maintenance').value) || 0;
var capexRate = parseFloat(document.getElementById('rp_capex').value) || 0;
var mgmtRate = parseFloat(document.getElementById('rp_mgmt').value) || 0;
// 2. Calculate Mortgage (P&I)
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var monthlyRate = (rate / 100) / 12;
var numberOfPayments = termYears * 12;
var monthlyPI = 0;
if (rate > 0) {
monthlyPI = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else {
monthlyPI = loanAmount / numberOfPayments;
}
// 3. Calculate Monthly Operating Expenses
var monthlyTax = annualTax / 12;
var monthlyIns = annualIns / 12;
var monthlyVacancy = monthlyRent * (vacancyRate / 100);
var monthlyMaint = monthlyRent * (maintRate / 100);
var monthlyCapex = monthlyRent * (capexRate / 100);
var monthlyMgmt = monthlyRent * (mgmtRate / 100);
var totalOperatingExpenses = monthlyTax + monthlyIns + monthlyVacancy + monthlyMaint + monthlyCapex + monthlyMgmt;
var totalMonthlyExpenses = totalOperatingExpenses + monthlyPI;
// 4. Calculate Cash Flow
var monthlyCashFlow = monthlyRent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// 5. Calculate NOI (Net Operating Income)
// NOI = Income – Operating Expenses (Excluding Mortgage)
var monthlyNOI = monthlyRent – totalOperatingExpenses;
var annualNOI = monthlyNOI * 12;
// 6. Calculate Returns
var totalCashInvested = downPayment + closingCosts;
var cocReturn = 0;
if (totalCashInvested > 0) {
cocReturn = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// 7. Display Results
// Helper function for formatting currency
function formatMoney(num) {
return '$' + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
document.getElementById('res_cashflow').innerHTML = formatMoney(monthlyCashFlow);
document.getElementById('res_coc').innerHTML = cocReturn.toFixed(2) + '%';
document.getElementById('res_cap').innerHTML = capRate.toFixed(2) + '%';
document.getElementById('res_expenses').innerHTML = formatMoney(totalMonthlyExpenses);
document.getElementById('res_mortgage').innerHTML = formatMoney(monthlyPI);
document.getElementById('res_noi').innerHTML = formatMoney(annualNOI);
// Change color of cash flow based on positivity
var cfElement = document.getElementById('res_cashflow');
if (monthlyCashFlow >= 0) {
cfElement.style.color = "#27ae60";
} else {
cfElement.style.color = "#c0392b";
}
// Show results area
document.getElementById('rp_results').style.display = 'block';
}
Rental Property Cash Flow Calculator
Analyze potential real estate deals to determine monthly cash flow and ROI.
Purchase & Loan Details
Income & Expenses
Monthly Cash Flow
$0.00
Cash on Cash Return
0.00%
Cap Rate
0.00%
Total Monthly Expenses
$0.00
Monthly P&I Payment
$0.00
Net Operating Income (Annual)
$0.00
Understanding Your Rental Property Analysis
Successful real estate investing relies on accurate math, not gut feelings. This Rental Property Cash Flow Calculator breaks down the most critical metrics investors use to evaluate a deal.
1. Monthly Cash Flow
This is your profit after all expenses are paid. It is calculated by taking your Gross Monthly Rent and subtracting all Operating Expenses (taxes, insurance, maintenance, vacancy, management) and your Debt Service (mortgage payment). Positive cash flow ensures the property pays for itself and provides income.
2. Cash on Cash Return (CoC)
Cash on Cash Return measures the annual return on the actual cash you invested. Unlike ROI which might include loan paydown or appreciation, CoC focuses purely on liquid cash flow relative to your initial investment (Down Payment + Closing Costs + Rehab costs). A healthy CoC for rentals often ranges between 8% and 12%, though this varies by market.
Formula: (Annual Pre-Tax Cash Flow / Total Cash Invested) × 100
3. Cap Rate (Capitalization Rate)
Cap Rate helps you compare the profitability of similar properties regardless of how they are financed. It represents the rate of return on the property if you bought it in all cash.
Formula: (Net Operating Income / Current Market Value) × 100
4. Accounting for "Hidden" Expenses
Many new investors fail because they only calculate Mortgage, Taxes, and Insurance (PITI). To get a true picture of cash flow, you must account for:
- Vacancy: The cost of the unit sitting empty between tenants (usually estimated at 5-8%).
- Maintenance: Routine fixes like leaky faucets or painting.
- CapEx (Capital Expenditures): Saving for big-ticket items like a new roof or HVAC system (vital for long-term holds).
- Property Management: Even if you self-manage, you should budget for this time or future expense (typically 8-10% of rent).