#rental-calculator-wrapper .calc-container {
background: #f9fbfd;
border: 1px solid #e1e4e8;
border-radius: 8px;
padding: 30px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
margin-bottom: 40px;
}
#rental-calculator-wrapper h2 {
color: #2c3e50;
border-bottom: 2px solid #3498db;
padding-bottom: 10px;
margin-top: 0;
}
#rental-calculator-wrapper .input-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
margin-bottom: 20px;
}
@media (max-width: 600px) {
#rental-calculator-wrapper .input-grid {
grid-template-columns: 1fr;
}
}
#rental-calculator-wrapper .form-group {
margin-bottom: 10px;
}
#rental-calculator-wrapper label {
display: block;
font-weight: 600;
margin-bottom: 5px;
font-size: 0.95em;
}
#rental-calculator-wrapper input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
#rental-calculator-wrapper .section-title {
grid-column: 1 / -1;
font-size: 1.1em;
color: #3498db;
font-weight: bold;
margin-top: 10px;
margin-bottom: 5px;
text-transform: uppercase;
letter-spacing: 0.5px;
}
#rental-calculator-wrapper button.calc-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
border-radius: 5px;
cursor: pointer;
width: 100%;
font-weight: bold;
transition: background 0.3s;
}
#rental-calculator-wrapper button.calc-btn:hover {
background-color: #219150;
}
#rental-calculator-wrapper .results-box {
background: #fff;
border: 1px solid #ddd;
border-radius: 6px;
padding: 20px;
margin-top: 25px;
display: none; /* Hidden by default */
}
#rental-calculator-wrapper .result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
#rental-calculator-wrapper .result-row:last-child {
border-bottom: none;
}
#rental-calculator-wrapper .result-label {
font-weight: 500;
}
#rental-calculator-wrapper .result-value {
font-weight: bold;
color: #2c3e50;
}
#rental-calculator-wrapper .highlight-result {
font-size: 1.2em;
color: #27ae60;
}
#rental-calculator-wrapper .negative {
color: #c0392b;
}
/* SEO Content Styles */
#rental-calculator-wrapper .seo-content h3 {
color: #2c3e50;
margin-top: 30px;
}
#rental-calculator-wrapper .seo-content p {
margin-bottom: 15px;
}
#rental-calculator-wrapper .seo-content ul {
margin-bottom: 20px;
padding-left: 20px;
}
#rental-calculator-wrapper .seo-content li {
margin-bottom: 8px;
}
function calculateRental() {
// 1. Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value) || 0;
var downPayment = parseFloat(document.getElementById('downPayment').value) || 0;
var interestRate = parseFloat(document.getElementById('interestRate').value) || 0;
var years = parseFloat(document.getElementById('loanTerm').value) || 0;
var rent = parseFloat(document.getElementById('monthlyRent').value) || 0;
var otherIncome = parseFloat(document.getElementById('otherIncome').value) || 0;
var taxYearly = parseFloat(document.getElementById('propertyTax').value) || 0;
var insYearly = parseFloat(document.getElementById('insurance').value) || 0;
var hoa = parseFloat(document.getElementById('hoa').value) || 0;
var vacancyPct = parseFloat(document.getElementById('vacancyRate').value) || 0;
var maintPct = parseFloat(document.getElementById('maintenanceRate').value) || 0;
var mgmtPct = parseFloat(document.getElementById('managementFee').value) || 0;
// 2. Calculate Mortgage (Principal + Interest)
var loanAmount = price – downPayment;
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = years * 12;
var mortgagePayment = 0;
if (monthlyRate > 0 && numberOfPayments > 0) {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else if (numberOfPayments > 0) {
mortgagePayment = loanAmount / numberOfPayments;
}
// 3. Calculate Income
var totalMonthlyIncome = rent + otherIncome;
// 4. Calculate Variable Expenses based on Percentages of Rent
var vacancyCost = totalMonthlyIncome * (vacancyPct / 100);
var maintCost = totalMonthlyIncome * (maintPct / 100);
var mgmtCost = totalMonthlyIncome * (mgmtPct / 100);
// 5. Calculate Fixed Monthly Expenses
var taxMonthly = taxYearly / 12;
var insMonthly = insYearly / 12;
// 6. Total Expenses
var totalMonthlyExpenses = mortgagePayment + taxMonthly + insMonthly + hoa + vacancyCost + maintCost + mgmtCost;
var operatingExpenses = totalMonthlyExpenses – mortgagePayment; // For NOI calculation
// 7. Calculate Metrics
var monthlyCashFlow = totalMonthlyIncome – totalMonthlyExpenses;
var noiMonthly = totalMonthlyIncome – operatingExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// ROI (Cash on Cash Return)
// Initial Investment = Down Payment (simplified, excluding closing costs for this calc)
var roi = 0;
if (downPayment > 0) {
roi = (annualCashFlow / downPayment) * 100;
}
// 8. Update Display
var formatCurrency = function(num) {
return '$' + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
};
document.getElementById('displayMortgage').innerHTML = formatCurrency(mortgagePayment);
document.getElementById('displayIncome').innerHTML = formatCurrency(totalMonthlyIncome);
document.getElementById('displayExpenses').innerHTML = formatCurrency(totalMonthlyExpenses);
document.getElementById('displayNOI').innerHTML = formatCurrency(noiMonthly); // NOI usually excludes debt service
var cfElement = document.getElementById('displayCashFlow');
cfElement.innerHTML = formatCurrency(monthlyCashFlow);
if (monthlyCashFlow >= 0) {
cfElement.className = "result-value highlight-result";
cfElement.style.color = "#27ae60";
} else {
cfElement.className = "result-value highlight-result negative";
cfElement.style.color = "#c0392b";
}
document.getElementById('displayROI').innerHTML = roi.toFixed(2) + '%';
// Show results div
document.getElementById('results').style.display = 'block';
}
Rental Property Cash Flow Calculator
Purchase Information
Monthly Income
Monthly Expenses
Financial Summary
Monthly Principal & Interest:
–
Total Monthly Income:
–
Total Monthly Expenses:
–
Net Operating Income (NOI):
–
Monthly Cash Flow:
–
Cash on Cash Return (ROI):
–
How to Analyze Rental Property Cash Flow
Understanding the financial performance of a rental property is crucial for real estate investors. Cash flow is the net amount of cash moving into or out of an investment after all expenses are paid. A positive cash flow indicates that the property is generating profit, while negative cash flow means you are losing money monthly.
Key Metrics Explained
- Gross Monthly Income: The total revenue generated by the property, including rent and other sources like parking fees or laundry machines.
- Principal & Interest (P&I): The monthly debt service payment to the lender. This calculator uses a standard amortization formula based on your loan amount and interest rate.
- Operating Expenses: These are the costs required to run the property, excluding debt service. This includes taxes, insurance, HOA fees, maintenance, vacancy reserves, and management fees.
- NOI (Net Operating Income): A critical metric calculated by subtracting Operating Expenses from Gross Income. It represents the profitability of the property before leverage (mortgage) is considered.
- Cash on Cash Return (ROI): This percentage measures the annual return on the actual cash you invested (down payment). It allows you to compare the performance of this property against other investment vehicles like stocks or bonds.
The Importance of Expense Reserves
Many new investors make the mistake of calculating cash flow based solely on rent minus mortgage. However, realistic analysis requires accounting for "hidden" costs:
- Vacancy Rate: Properties are rarely occupied 100% of the time. Setting aside 5-10% of monthly rent prepares you for turnover periods.
- Maintenance & CapEx: Roofs leak and water heaters break. Allocating 5-15% of rent ensures you have funds for repairs and capital expenditures without dipping into your personal savings.
Use this calculator to stress-test your investment. Try increasing the vacancy rate or interest rate to see how it impacts your monthly cash flow and ensure your investment remains profitable even in a downturn.