#rental-property-calculator-container .calc-box {
background: #f9fbfd;
border: 1px solid #e1e4e8;
border-radius: 8px;
padding: 25px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
margin-bottom: 40px;
}
#rental-property-calculator-container .calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
#rental-property-calculator-container .calc-grid {
grid-template-columns: 1fr;
}
}
#rental-property-calculator-container .input-group {
margin-bottom: 15px;
}
#rental-property-calculator-container label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 14px;
color: #4a5568;
}
#rental-property-calculator-container input {
width: 100%;
padding: 10px;
border: 1px solid #cbd5e0;
border-radius: 5px;
font-size: 16px;
box-sizing: border-box;
transition: border-color 0.2s;
}
#rental-property-calculator-container input:focus {
outline: none;
border-color: #3182ce;
box-shadow: 0 0 0 3px rgba(49, 130, 206, 0.1);
}
#rental-property-calculator-container .section-title {
grid-column: 1 / -1;
font-size: 18px;
font-weight: 700;
color: #2d3748;
margin-top: 10px;
margin-bottom: 10px;
border-bottom: 2px solid #e2e8f0;
padding-bottom: 5px;
}
#rental-property-calculator-container button {
grid-column: 1 / -1;
background-color: #3182ce;
color: white;
padding: 15px;
border: none;
border-radius: 6px;
font-size: 18px;
font-weight: bold;
cursor: pointer;
transition: background-color 0.2s;
margin-top: 10px;
}
#rental-property-calculator-container button:hover {
background-color: #2c5282;
}
#rental-property-calculator-container #results-area {
grid-column: 1 / -1;
background: #fff;
border: 1px solid #e2e8f0;
border-radius: 6px;
padding: 20px;
margin-top: 20px;
display: none;
}
#rental-property-calculator-container .result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #f7fafc;
}
#rental-property-calculator-container .result-row:last-child {
border-bottom: none;
}
#rental-property-calculator-container .result-label {
color: #718096;
}
#rental-property-calculator-container .result-value {
font-weight: 700;
font-size: 18px;
}
#rental-property-calculator-container .highlight-result {
background-color: #ebf8ff;
padding: 15px;
border-radius: 6px;
margin-top: 10px;
border: 1px solid #bee3f8;
}
#rental-property-calculator-container .highlight-result .result-value {
color: #2b6cb0;
font-size: 24px;
}
#rental-property-calculator-container .content-section h2 {
color: #2d3748;
font-size: 24px;
margin-top: 30px;
}
#rental-property-calculator-container .content-section h3 {
color: #4a5568;
font-size: 20px;
margin-top: 25px;
}
#rental-property-calculator-container .content-section p {
line-height: 1.6;
margin-bottom: 15px;
color: #4a5568;
}
#rental-property-calculator-container .content-section ul {
margin-bottom: 20px;
padding-left: 20px;
line-height: 1.6;
}
function calculateRentalCashFlow() {
// Get inputs by ID
var price = parseFloat(document.getElementById('rp_price').value);
var downPercent = parseFloat(document.getElementById('rp_down_percent').value);
var rate = parseFloat(document.getElementById('rp_rate').value);
var term = parseFloat(document.getElementById('rp_term').value);
var rent = parseFloat(document.getElementById('rp_rent').value);
var taxYearly = parseFloat(document.getElementById('rp_tax').value);
var insYearly = parseFloat(document.getElementById('rp_insurance').value);
var otherMonthly = parseFloat(document.getElementById('rp_other').value);
// Validation
if (isNaN(price) || isNaN(downPercent) || isNaN(rate) || isNaN(term) || isNaN(rent)) {
alert("Please fill in all required fields with valid numbers.");
return;
}
// Defaults for empty optional fields
if (isNaN(taxYearly)) taxYearly = 0;
if (isNaN(insYearly)) insYearly = 0;
if (isNaN(otherMonthly)) otherMonthly = 0;
// Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
// Mortgage Calculation (M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1 ])
var monthlyRate = (rate / 100) / 12;
var numPayments = term * 12;
var monthlyMortgage = 0;
if (monthlyRate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else {
monthlyMortgage = loanAmount / numPayments;
}
var monthlyTax = taxYearly / 12;
var monthlyIns = insYearly / 12;
var totalMonthlyExpenses = monthlyMortgage + monthlyTax + monthlyIns + otherMonthly;
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
var cashInvested = downPaymentAmount; // Simplified, assuming closing costs are separate or negligible for this basic calculation
var cocReturn = 0;
if (cashInvested > 0) {
cocReturn = (annualCashFlow / cashInvested) * 100;
}
// Formatting Output
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
});
// Set Results
document.getElementById('results-area').style.display = 'block';
document.getElementById('res_mortgage').innerText = formatter.format(monthlyMortgage);
document.getElementById('res_expenses').innerText = formatter.format(totalMonthlyExpenses);
document.getElementById('res_cashflow').innerText = formatter.format(monthlyCashFlow);
document.getElementById('res_coc').innerText = cocReturn.toFixed(2) + "%";
// Visual cue for negative cashflow
var cashFlowElem = document.getElementById('res_cashflow');
if (monthlyCashFlow < 0) {
cashFlowElem.style.color = "#e53e3e";
} else {
cashFlowElem.style.color = "#38a169";
}
}
Purchase Information
Income & Expenses
Monthly Mortgage (P&I):
$0.00
Total Monthly Expenses:
$0.00
Est. Monthly Cash Flow:
$0.00
Cash on Cash Return (ROI):
0.00%
What is a Rental Property Cash Flow Calculator?
Successful real estate investing relies heavily on the numbers. Our Rental Property Cash Flow Calculator helps investors determine the viability of a potential investment by analyzing income versus expenses. Whether you are analyzing a single-family home or a multi-unit property, understanding your monthly cash flow is critical to long-term success.
How to Calculate Cash Flow
Cash flow is the net amount of money moving into and out of a business or investment. In real estate, the formula is relatively simple:
Cash Flow = Gross Rental Income – Total Operating Expenses
However, "Total Operating Expenses" includes more than just the mortgage. To get an accurate picture, you must include:
- Principal & Interest (P&I): The core mortgage payment.
- Taxes & Insurance: Often held in escrow, these are unavoidable annual costs.
- Vacancy Rates: Money set aside for months when the property sits empty (typically 5-10%).
- Capital Expenditures (CapEx): Major future repairs like a new roof or HVAC system.
- Maintenance: Routine repairs and upkeep.
Understanding Cash on Cash Return (CoC)
While cash flow tells you how much money you keep every month, Cash on Cash Return tells you how hard your money is working. It measures the annual return on the actual cash invested (down payment + closing costs + rehab costs).
For example, if you invest $50,000 cash into a property and it generates $5,000 in positive cash flow per year, your CoC return is 10%. Many investors aim for a CoC return of 8-12% or higher, depending on the market and risk profile.
Why Use This Calculator?
Guessing expenses is the fastest way to lose money in real estate. By inputting specific details regarding the loan terms, taxes, and miscellaneous monthly costs (like HOA fees), this tool provides a realistic projection of your potential monthly income. Always verify your inputs with local tax records and insurance quotes for the highest accuracy.