.calculator-container {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #fff;
padding: 20px;
border: 1px solid #eee;
border-radius: 8px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.calc-header {
text-align: center;
margin-bottom: 30px;
}
.calc-header h2 {
margin: 0;
color: #2c3e50;
font-size: 28px;
}
.calc-header p {
color: #7f8c8d;
margin-top: 5px;
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.calc-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #34495e;
font-size: 14px;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 0 2px rgba(52,152,219,0.2);
}
.section-title {
grid-column: 1 / -1;
font-size: 18px;
color: #2c3e50;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
margin-top: 10px;
margin-bottom: 15px;
font-weight: bold;
}
.btn-container {
grid-column: 1 / -1;
text-align: center;
margin-top: 20px;
}
button.calc-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 12px 30px;
font-size: 18px;
font-weight: bold;
border-radius: 5px;
cursor: pointer;
transition: background 0.3s;
}
button.calc-btn:hover {
background-color: #219150;
}
.results-section {
grid-column: 1 / -1;
background-color: #f8f9fa;
padding: 20px;
border-radius: 8px;
margin-top: 20px;
border: 1px solid #e9ecef;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px solid #dee2e6;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
font-weight: 600;
color: #555;
}
.result-value {
font-weight: bold;
color: #2c3e50;
}
.highlight-result {
color: #27ae60;
font-size: 1.2em;
}
.highlight-negative {
color: #c0392b;
font-size: 1.2em;
}
.seo-content {
margin-top: 50px;
font-family: inherit;
line-height: 1.6;
color: #333;
}
.seo-content h3 {
color: #2c3e50;
margin-top: 30px;
}
.seo-content ul {
padding-left: 20px;
}
function calculateRental() {
// Get inputs
var price = parseFloat(document.getElementById('purchasePrice').value) || 0;
var downPerc = parseFloat(document.getElementById('downPaymentPerc').value) || 0;
var closing = parseFloat(document.getElementById('closingCosts').value) || 0;
var rate = parseFloat(document.getElementById('interestRate').value) || 0;
var years = parseFloat(document.getElementById('loanTerm').value) || 0;
var rent = parseFloat(document.getElementById('monthlyRent').value) || 0;
var tax = parseFloat(document.getElementById('propertyTax').value) || 0;
var insurance = parseFloat(document.getElementById('insurance').value) || 0;
var hoa = parseFloat(document.getElementById('hoaFees').value) || 0;
var vacancyPerc = parseFloat(document.getElementById('vacancyRate').value) || 0;
var maintPerc = parseFloat(document.getElementById('maintenanceRate').value) || 0;
var mgmtPerc = parseFloat(document.getElementById('managementFee').value) || 0;
// Calculations
var downPaymentAmount = price * (downPerc / 100);
var loanAmount = price – downPaymentAmount;
var totalCashInvested = downPaymentAmount + closing;
// Mortgage Calculation (Principal & Interest)
var monthlyRate = (rate / 100) / 12;
var numberOfPayments = years * 12;
var mortgagePayment = 0;
if (rate > 0) {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else {
mortgagePayment = loanAmount / numberOfPayments;
}
// Monthly Operating Expenses
var monthlyTax = tax / 12;
var monthlyIns = insurance / 12;
var vacancyCost = rent * (vacancyPerc / 100);
var maintCost = rent * (maintPerc / 100);
var mgmtCost = rent * (mgmtPerc / 100);
var operatingExpenses = monthlyTax + monthlyIns + hoa + vacancyCost + maintCost + mgmtCost;
var totalExpenses = operatingExpenses + mortgagePayment;
// Metrics
var monthlyCashFlow = rent – totalExpenses;
var annualCashFlow = monthlyCashFlow * 12;
var annualNOI = (rent * 12) – (operatingExpenses * 12);
var cashOnCash = 0;
if (totalCashInvested > 0) {
cashOnCash = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// Display Results
document.getElementById('resultContainer').style.display = 'block';
var cashFlowEl = document.getElementById('monthlyCashFlow');
cashFlowEl.innerText = formatCurrency(monthlyCashFlow);
if (monthlyCashFlow >= 0) {
cashFlowEl.className = "result-value highlight-result";
} else {
cashFlowEl.className = "result-value highlight-negative";
}
document.getElementById('annualNOI').innerText = formatCurrency(annualNOI) + " / year";
document.getElementById('cashOnCash').innerText = cashOnCash.toFixed(2) + "%";
document.getElementById('capRate').innerText = capRate.toFixed(2) + "%";
document.getElementById('totalMonthlyExpenses').innerText = formatCurrency(totalExpenses);
document.getElementById('totalCashNeeded').innerText = formatCurrency(totalCashInvested);
}
function formatCurrency(num) {
return "$" + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
// Run calculation on load for defaults
window.onload = function() {
calculateRental();
};
Rental Property Cash Flow Calculator
Analyze your real estate investment potential instantly.
Purchase Information
Income & Expenses
Monthly Cash Flow:
$0.00
Net Operating Income (NOI):
$0.00 / year
Cash on Cash ROI:
0.00%
Cap Rate:
0.00%
Total Monthly Expenses:
$0.00
Total Cash Needed to Close:
$0.00
How to Use This Rental Property Calculator
Investing in real estate is a numbers game. This Rental Property Cash Flow Calculator helps investors accurately estimate the profitability of a potential rental property before signing on the dotted line. By inputting the purchase price, financing details, and anticipated expenses, you can determine if a property will generate positive cash flow or become a financial burden.
Understanding Key Investment Metrics
To make informed decisions, it is crucial to understand the outputs of this calculator:
1. Cash Flow
Cash Flow is the net amount of money left in your pocket every month after all expenses, including the mortgage, have been paid. Positive cash flow indicates a healthy investment that generates income, while negative cash flow means you are losing money every month.
2. Cash on Cash Return (CoC ROI)
This metric measures the annual return on the actual cash you invested (down payment + closing costs), rather than the total property price. It is calculated as:
Annual Pre-Tax Cash Flow / Total Cash Invested
Many investors aim for a Cash on Cash return of 8-12% or higher.
3. Cap Rate (Capitalization Rate)
The Cap Rate helps compare the profitability of similar real estate investments regardless of how they are financed. It focuses purely on the property's ability to generate income based on its purchase price.
Net Operating Income (NOI) / Purchase Price
Common Rental Property Expenses
Don't overlook these often-missed expenses when using the calculator:
- Vacancy Rate: Properties won't be rented 365 days a year. A standard assumption is 5-8% to account for turnover periods.
- Maintenance & Repairs: Setting aside 5-10% of monthly rent ensures you have funds for leaky faucets, painting, or appliance repairs.
- Property Management: If you hire a professional manager, they typically charge 8-12% of the monthly rent.
- Capital Expenditures (CapEx): Major repairs like roof replacement or HVAC systems. While not a monthly bill, it's wise to factor this into maintenance reserves.