Rental Property Cash Flow Calculator
body {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
line-height: 1.6;
color: #333;
max-width: 1200px;
margin: 0 auto;
padding: 20px;
background-color: #f4f7f6;
}
.calc-container {
background: #ffffff;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0,0,0,0.1);
padding: 30px;
margin-bottom: 40px;
display: flex;
flex-wrap: wrap;
gap: 30px;
}
.calc-inputs {
flex: 1;
min-width: 300px;
}
.calc-results {
flex: 1;
min-width: 300px;
background-color: #f8f9fa;
border-radius: 8px;
padding: 20px;
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padding-bottom: 10px;
margin-bottom: 20px;
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display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 0.9em;
color: #555;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box; /* Fixes padding width issues */
}
.input-group input:focus {
border-color: #3498db;
outline: none;
}
button.calc-btn {
background-color: #3498db;
color: white;
border: none;
padding: 12px 20px;
font-size: 16px;
border-radius: 4px;
cursor: pointer;
width: 100%;
font-weight: bold;
transition: background 0.3s;
margin-top: 10px;
}
button.calc-btn:hover {
background-color: #2980b9;
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.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 12px;
padding-bottom: 12px;
border-bottom: 1px solid #e0e0e0;
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.result-row:last-child {
border-bottom: none;
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.result-label {
font-weight: 500;
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.result-value {
font-weight: bold;
color: #2c3e50;
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.highlight-result {
background-color: #e8f6f3;
padding: 15px;
border-radius: 6px;
border-left: 5px solid #2ecc71;
margin-top: 20px;
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.highlight-value {
font-size: 1.4em;
color: #27ae60;
display: block;
margin-top: 5px;
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.seo-content {
background: #fff;
padding: 30px;
border-radius: 8px;
box-shadow: 0 2px 10px rgba(0,0,0,0.05);
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color: #2c3e50;
font-size: 1.8em;
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.seo-content h3 {
color: #34495e;
margin-top: 25px;
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.seo-content p {
margin-bottom: 15px;
color: #555;
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@media (max-width: 768px) {
.calc-container {
flex-direction: column;
}
}
Financial Breakdown
Monthly Mortgage (P&I):
$0.00
Vacancy Loss:
$0.00
Total Monthly Expenses:
$0.00
Net Operating Income (NOI) / Yr:
$0.00
Net Monthly Cash Flow
$0.00
Cash on Cash Return
0.00%
Why Use a Rental Property Cash Flow Calculator?
Investing in real estate is one of the most reliable ways to build wealth, but the difference between a profitable asset and a money pit lies in the numbers. This Rental Property Cash Flow Calculator helps investors accurately predict the profitability of a potential investment before signing any papers.
Understanding Cash Flow
Cash flow is the net amount of cash moving into and out of a business. In real estate, positive cash flow occurs when your property's Gross Rental Income exceeds your Total Expenses (including mortgage payments, taxes, insurance, HOA fees, and maintenance reserves). Achieving positive cash flow ensures the property pays for itself while generating passive income.
Key Metrics Analyzed
- Net Operating Income (NOI): This calculates the profitability of the income-generating real estate property before adding in any costs from financing or taxes. It is calculated as (Total Income) – (Operating Expenses).
- Cash on Cash Return (CoC): This is arguably the most important metric for investors using leverage. It measures the annual pre-tax cash flow divided by the total cash invested (down payment + closing costs + rehab costs). A CoC return of 8-12% is generally considered solid for rental properties.
- Vacancy Rate: No property is occupied 100% of the time. This calculator factors in a vacancy buffer (typically 5-10%) to ensure your financial projections are realistic and conservative.
How to Improve Cash Flow
If your calculation shows negative or low cash flow, consider negotiating a lower purchase price, increasing the down payment to lower the mortgage, or finding ways to increase rent (value-add renovations). Accurate calculation is the first step toward financial freedom through real estate.
function calculateCashFlow() {
// 1. Get Input Values
var price = parseFloat(document.getElementById('propPrice').value);
var downPercent = parseFloat(document.getElementById('downPaymentPercent').value);
var interestRate = parseFloat(document.getElementById('interestRate').value);
var termYears = parseFloat(document.getElementById('loanTerm').value);
var rent = parseFloat(document.getElementById('monthlyRent').value);
var otherExpenses = parseFloat(document.getElementById('monthlyExpenses').value);
var vacancyPercent = parseFloat(document.getElementById('vacancyRate').value);
// 2. Validate Inputs
if (isNaN(price) || isNaN(downPercent) || isNaN(interestRate) || isNaN(termYears) || isNaN(rent) || isNaN(otherExpenses)) {
alert("Please enter valid numbers in all fields.");
return;
}
// 3. Calculate Mortgage (Principal & Interest)
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var monthlyRate = (interestRate / 100) / 12;
var totalPayments = termYears * 12;
var monthlyMortgage = 0;
if (interestRate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, totalPayments)) / (Math.pow(1 + monthlyRate, totalPayments) – 1);
} else {
monthlyMortgage = loanAmount / totalPayments;
}
// 4. Calculate Vacancy Loss
var vacancyLoss = rent * (vacancyPercent / 100);
// 5. Calculate Total Monthly Expenses (Mortgage + Other + Vacancy)
var totalMonthlyExpenses = monthlyMortgage + otherExpenses + vacancyLoss;
// 6. Calculate Cash Flow
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// 7. Calculate NOI (Annual Rent – Annual Operating Expenses NOT including Mortgage)
var annualOperatingExpenses = (otherExpenses + vacancyLoss) * 12;
var annualNOI = (rent * 12) – annualOperatingExpenses;
// 8. Calculate Cash on Cash Return
// Assuming closing costs are roughly 3% of purchase price for this estimation
var closingCosts = price * 0.03;
var totalCashInvested = downPayment + closingCosts;
var cashOnCash = (annualCashFlow / totalCashInvested) * 100;
// 9. Format Currency Helper
var formatCurrency = function(num) {
return "$" + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
};
// 10. Update DOM
document.getElementById('resMortgage').innerText = formatCurrency(monthlyMortgage);
document.getElementById('resVacancy').innerText = formatCurrency(vacancyLoss);
document.getElementById('resTotalExpenses').innerText = formatCurrency(totalMonthlyExpenses);
document.getElementById('resNOI').innerText = formatCurrency(annualNOI);
var cashFlowElem = document.getElementById('resCashFlow');
cashFlowElem.innerText = formatCurrency(monthlyCashFlow);
// Color coding for Cash Flow
if (monthlyCashFlow >= 0) {
cashFlowElem.style.color = "#27ae60"; // Green
} else {
cashFlowElem.style.color = "#c0392b"; // Red
}
document.getElementById('resCoC').innerText = cashOnCash.toFixed(2) + "%";
}