Commercial Bank Money Market Rates Calculator

by
Rental Property Cash Flow Calculator .rpc-calculator-container { font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif; max-width: 800px; margin: 0 auto; padding: 20px; background-color: #f9f9f9; border: 1px solid #e0e0e0; border-radius: 8px; } .rpc-calculator-wrapper { display: flex; flex-wrap: wrap; gap: 20px; } .rpc-column { flex: 1; min-width: 300px; } .rpc-input-group { margin-bottom: 15px; } .rpc-input-group label { display: block; font-weight: 600; margin-bottom: 5px; color: #333; font-size: 14px; } .rpc-input-group input, .rpc-input-group select { width: 100%; padding: 10px; border: 1px solid #ccc; border-radius: 4px; font-size: 16px; box-sizing: border-box; } .rpc-section-title { font-size: 18px; font-weight: bold; color: #2c3e50; margin-bottom: 15px; border-bottom: 2px solid #3498db; padding-bottom: 5px; } .rpc-btn { width: 100%; padding: 12px; background-color: #27ae60; color: white; border: none; border-radius: 4px; font-size: 18px; font-weight: bold; cursor: pointer; transition: background-color 0.3s; margin-top: 10px; } .rpc-btn:hover { background-color: #219150; } .rpc-results { background-color: #fff; padding: 20px; border-radius: 6px; border: 1px solid #dcdcdc; margin-top: 20px; box-shadow: 0 2px 5px rgba(0,0,0,0.05); } .rpc-result-row { display: flex; justify-content: space-between; margin-bottom: 12px; font-size: 16px; } .rpc-result-row.highlight { font-weight: bold; font-size: 18px; color: #2c3e50; border-top: 1px solid #eee; padding-top: 10px; } .rpc-result-row.positive { color: #27ae60; } .rpc-result-row.negative { color: #c0392b; } .rpc-content-section { margin-top: 40px; line-height: 1.6; color: #333; } .rpc-content-section h2 { font-size: 24px; color: #2c3e50; margin-top: 30px; } .rpc-content-section h3 { font-size: 20px; color: #34495e; margin-top: 20px; } .rpc-content-section p { margin-bottom: 15px; } .rpc-content-section ul { margin-bottom: 15px; padding-left: 20px; } .rpc-content-section li { margin-bottom: 8px; } @media (max-width: 600px) { .rpc-wrapper { flex-direction: column; } }
Purchase & Loan Details
15 Years 30 Years
Income & Expenses
Monthly Breakdown
Gross Income: $0.00
Mortgage (P&I): $0.00
Tax & Insurance: $0.00
Operating Expenses: $0.00
Total Monthly Expenses: $0.00
Financial Metrics
Monthly Cash Flow: $0.00
Annual Cash Flow: $0.00
Cash-on-Cash Return: 0.00%
Cap Rate: 0.00%
Enter property details and click "Calculate" to view the investment analysis.

What is Rental Property Cash Flow?

Rental property cash flow is the net amount of money left over after all operating expenses and debt service payments have been deducted from the total rental income. Positive cash flow indicates that the investment is generating profit month-over-month, while negative cash flow means the owner must contribute personal funds to keep the property operational.

Why Use a Cash Flow Calculator?

Real estate investors use cash flow calculators to evaluate the viability of an investment property before purchasing. By inputting the purchase price, expected rent, and detailed expenses like maintenance, taxes, and vacancy rates, investors can determine if a deal meets their financial goals. A good calculator helps avoid "bad deals" where expenses are underestimated.

Key Metrics in Real Estate Investing

This calculator provides several critical metrics to help you analyze your property:

  • Monthly Cash Flow: Your net profit every month. (Income – Expenses).
  • Cash-on-Cash (CoC) Return: A percentage that measures the annual return on the actual cash invested (Down Payment + Closing Costs). It is calculated as Annual Cash Flow / Total Cash Invested.
  • Cap Rate (Capitalization Rate): Measures the natural rate of return on the property independent of debt. It is calculated as Net Operating Income / Purchase Price.
  • Net Operating Income (NOI): The total income generated minus all operating expenses, excluding mortgage payments.

How to Calculate Cash Flow Manually

If you want to understand the math behind the results, here is the formula used for rental property cash flow:

Cash Flow = Gross Rental Income – (Mortgage Payment + Taxes + Insurance + Vacancy + Maintenance + CapEx + Property Management)

For example, if you collect $2,000 in rent, and your total mortgage, taxes, and operational costs sum up to $1,700, your monthly cash flow is $300.

function calculateRentalCashFlow() { // 1. Get Input Values var price = parseFloat(document.getElementById('rpcPrice').value); var downPayment = parseFloat(document.getElementById('rpcDownPayment').value); var interestRate = parseFloat(document.getElementById('rpcInterest').value); var termYears = parseInt(document.getElementById('rpcTerm').value); var rent = parseFloat(document.getElementById('rpcRent').value); var yearlyTax = parseFloat(document.getElementById('rpcTax').value); var yearlyInsurance = parseFloat(document.getElementById('rpcInsurance').value); var repairPercent = parseFloat(document.getElementById('rpcRepairs').value); var vacancyPercent = parseFloat(document.getElementById('rpcVacancy').value); var capEx = parseFloat(document.getElementById('rpcCapEx').value); // Validation if (isNaN(price) || isNaN(downPayment) || isNaN(rent)) { alert("Please enter valid numbers for Price, Down Payment, and Rent."); return; } // 2. Calculate Mortgage (Principal & Interest) var loanAmount = price – downPayment; var monthlyInterestRate = (interestRate / 100) / 12; var totalPayments = termYears * 12; var mortgagePayment = 0; if (monthlyInterestRate > 0) { mortgagePayment = loanAmount * (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, totalPayments)) / (Math.pow(1 + monthlyInterestRate, totalPayments) – 1); } else { mortgagePayment = loanAmount / totalPayments; } // 3. Calculate Monthly Expenses var monthlyTax = yearlyTax / 12; var monthlyInsurance = yearlyInsurance / 12; var monthlyVacancy = rent * (vacancyPercent / 100); var monthlyRepairs = rent * (repairPercent / 100); // 4. Totals var totalOperatingExpenses = monthlyTax + monthlyInsurance + monthlyVacancy + monthlyRepairs + capEx; var totalExpenses = totalOperatingExpenses + mortgagePayment; // 5. Cash Flow var monthlyCashFlow = rent – totalExpenses; var annualCashFlow = monthlyCashFlow * 12; // 6. Metrics // Cash on Cash Return = Annual Cash Flow / Down Payment (Simplified: assuming downpayment is total cash invested for this demo) // In a real scenario, we'd add closing costs and rehab costs to the denominator. var cashOnCash = 0; if (downPayment > 0) { cashOnCash = (annualCashFlow / downPayment) * 100; } // Cap Rate = (NOI / Purchase Price) * 100 // NOI = Rent – Operating Expenses (Not including Mortgage) var noi = (rent – totalOperatingExpenses) * 12; var capRate = (noi / price) * 100; // 7. Format Money Helper function formatMoney(num) { return '$' + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,'); } // 8. Update DOM document.getElementById('resIncome').innerText = formatMoney(rent); document.getElementById('resMortgage').innerText = formatMoney(mortgagePayment); document.getElementById('resTaxIns').innerText = formatMoney(monthlyTax + monthlyInsurance); document.getElementById('resOps').innerText = formatMoney(monthlyVacancy + monthlyRepairs + capEx); document.getElementById('resTotalExp').innerText = formatMoney(totalExpenses); var flowEl = document.getElementById('resCashFlow'); flowEl.innerText = formatMoney(monthlyCashFlow); document.getElementById('cashFlowRow').className = monthlyCashFlow >= 0 ? "rpc-result-row highlight positive" : "rpc-result-row highlight negative"; document.getElementById('resAnnualFlow').innerText = formatMoney(annualCashFlow); document.getElementById('resCoC').innerText = cashOnCash.toFixed(2) + '%'; document.getElementById('resCapRate').innerText = capRate.toFixed(2) + '%'; // Show Results document.getElementById('rpcInitialMsg').style.display = 'none'; document.getElementById('rpcResult').style.display = 'block'; }

Leave a Comment