.calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #ffffff;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 4px 12px rgba(0,0,0,0.05);
padding: 20px;
}
.calc-header {
text-align: center;
background-color: #2c3e50;
color: white;
padding: 20px;
border-radius: 8px 8px 0 0;
margin: -20px -20px 20px -20px;
}
.calc-row {
display: flex;
flex-wrap: wrap;
margin-bottom: 15px;
gap: 20px;
}
.calc-col {
flex: 1;
min-width: 250px;
}
.form-group {
margin-bottom: 15px;
}
.form-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #34495e;
}
.form-group input {
width: 100%;
padding: 10px;
border: 1px solid #bdc3c7;
border-radius: 4px;
font-size: 16px;
}
.btn-calc {
width: 100%;
padding: 15px;
background-color: #27ae60;
color: white;
border: none;
border-radius: 4px;
font-size: 18px;
font-weight: bold;
cursor: pointer;
transition: background-color 0.3s;
}
.btn-calc:hover {
background-color: #219150;
}
.calc-results {
margin-top: 30px;
padding: 20px;
background-color: #f8f9fa;
border-radius: 4px;
border-left: 5px solid #27ae60;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #e9ecef;
}
.result-row.highlight {
font-weight: bold;
font-size: 1.2em;
color: #2c3e50;
border-bottom: none;
margin-top: 10px;
}
.positive { color: #27ae60; }
.negative { color: #c0392b; }
/* SEO Content Styles */
.seo-content {
margin-top: 50px;
line-height: 1.6;
color: #333;
}
.seo-content h2 {
color: #2c3e50;
border-bottom: 2px solid #ecf0f1;
padding-bottom: 10px;
margin-top: 30px;
}
.seo-content p {
margin-bottom: 15px;
}
.seo-content ul {
margin-bottom: 20px;
padding-left: 20px;
}
.seo-content li {
margin-bottom: 8px;
}
function calculateCashFlow() {
// Inputs
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 term = parseFloat(document.getElementById('rp_term').value) || 0;
var rent = parseFloat(document.getElementById('rp_rent').value) || 0;
var annualTax = parseFloat(document.getElementById('rp_tax').value) || 0;
var annualIns = parseFloat(document.getElementById('rp_ins').value) || 0;
var monthlyHoa = parseFloat(document.getElementById('rp_hoa').value) || 0;
var vacancyRate = parseFloat(document.getElementById('rp_vacancy').value) || 0;
// Calculations
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var monthlyRate = (rate / 100) / 12;
var numPayments = term * 12;
// Mortgage P&I Calculation
var mortgage = 0;
if (rate > 0 && term > 0) {
mortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else if (term > 0) {
mortgage = loanAmount / numPayments;
}
// Expenses
var monthlyTax = annualTax / 12;
var monthlyIns = annualIns / 12;
var vacancyCost = rent * (vacancyRate / 100);
// Total Monthly Outflow (Mortgage + Tax + Ins + HOA + Vacancy)
var totalMonthlyExpenses = mortgage + monthlyTax + monthlyIns + monthlyHoa + vacancyCost;
// Operating Expenses Display (Without Mortgage)
var operatingExpensesOnly = monthlyTax + monthlyIns + monthlyHoa;
// Cash Flow
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// Cash on Cash Return
// CoC = Annual Cash Flow / Total Cash Invested (assuming closing costs ~2% of price for rough estimate, or just Down Payment)
// For simplicity in this tool, we will use Down Payment
var cocReturn = 0;
if (downPayment > 0) {
cocReturn = (annualCashFlow / downPayment) * 100;
}
// Formatting Function
var fmt = new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' });
var fmtPct = new Intl.NumberFormat('en-US', { style: 'percent', minimumFractionDigits: 2 });
// Output
document.getElementById('res_loan').innerText = fmt.format(loanAmount);
document.getElementById('res_mortgage').innerText = fmt.format(mortgage);
document.getElementById('res_expenses').innerText = fmt.format(operatingExpensesOnly + monthlyHoa); // Ops + HOA
document.getElementById('res_vacancy').innerText = fmt.format(vacancyCost);
var mCfEl = document.getElementById('res_monthly_cf');
mCfEl.innerText = fmt.format(monthlyCashFlow);
mCfEl.className = monthlyCashFlow >= 0 ? 'positive' : 'negative';
var aCfEl = document.getElementById('res_annual_cf');
aCfEl.innerText = fmt.format(annualCashFlow);
aCfEl.className = annualCashFlow >= 0 ? 'positive' : 'negative';
var cocEl = document.getElementById('res_coc');
cocEl.innerText = cocReturn.toFixed(2) + '%';
cocEl.className = cocReturn >= 0 ? 'positive' : 'negative';
// Show results
document.getElementById('rp_result').style.display = 'block';
}
Rental Property Cash Flow Calculator
Analyze the profitability of your real estate investment
Purchase Info
Income & Expenses
Loan Amount:
Monthly Mortgage (P&I):
Monthly Operating Expenses:
Vacancy Allowance:
Monthly Cash Flow:
Annual Cash Flow:
Cash on Cash Return:
Understanding Rental Property Cash Flow
One of the most critical metrics for real estate investors is Cash Flow. Simply put, cash flow is the income left over after all rental expenses have been paid. This Rental Property Cash Flow Calculator helps investors determine if a potential property will generate profit (positive cash flow) or cost money to hold (negative cash flow).
How to Calculate Cash Flow on a Rental Property
The formula for calculating monthly cash flow is straightforward:
Gross Income – Total Expenses = Net Cash Flow
However, accurately estimating "Total Expenses" is where many beginners fail. Your expenses should include:
- Mortgage Payment (P&I): The principal and interest paid to the lender.
- Property Taxes & Insurance: Often escrowed, but distinct expenses.
- Vacancy Rate: You won't have a tenant 100% of the time. Budgeting 5-8% helps account for turnover periods.
- Maintenance & CapEx: Budgeting for repairs and Capital Expenditures (replacing roofs, HVAC) is vital for long-term accuracy.
What is a Good Cash on Cash Return?
This calculator also provides the Cash on Cash (CoC) Return, which measures the annual return on the actual cash you invested (down payment).
While "good" is subjective based on the market and your goals, many investors aim for:
- 8-12%: Solid return for stable, residential rentals.
- 15%+: Excellent return, often found in higher-risk areas or through value-add strategies.
Using this calculator allows you to stress-test your investment by adjusting the purchase price, interest rate, or rent estimates to see how your returns change under different scenarios.