.seo-calculator-widget {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
padding: 20px;
color: #333;
line-height: 1.6;
}
.calc-wrapper {
background: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 25px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
margin-bottom: 40px;
}
.calc-title {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 24px;
font-weight: 700;
}
.input-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.input-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 14px;
color: #555;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.section-header {
grid-column: 1 / -1;
font-size: 18px;
font-weight: bold;
color: #2980b9;
margin-top: 10px;
border-bottom: 2px solid #2980b9;
padding-bottom: 5px;
margin-bottom: 15px;
}
.calc-btn {
grid-column: 1 / -1;
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 5px;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
}
.calc-btn:hover {
background-color: #219150;
}
.results-area {
grid-column: 1 / -1;
background: #fff;
border: 1px solid #ddd;
border-radius: 5px;
padding: 20px;
margin-top: 20px;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
font-weight: 600;
color: #555;
}
.result-value {
font-weight: 700;
color: #2c3e50;
}
.highlight-result {
color: #27ae60;
font-size: 1.2em;
}
.negative-result {
color: #c0392b;
}
.article-content h2 {
color: #2c3e50;
margin-top: 30px;
font-size: 22px;
}
.article-content p {
margin-bottom: 15px;
}
.article-content ul {
margin-bottom: 20px;
padding-left: 20px;
}
.article-content li {
margin-bottom: 8px;
}
function calculateRental() {
// Get Input Values
var purchasePrice = parseFloat(document.getElementById("purchasePrice").value) || 0;
var downPayment = parseFloat(document.getElementById("downPayment").value) || 0;
var closingCosts = parseFloat(document.getElementById("closingCosts").value) || 0;
var rehabCosts = parseFloat(document.getElementById("rehabCosts").value) || 0;
var interestRate = parseFloat(document.getElementById("interestRate").value) || 0;
var loanTerm = parseFloat(document.getElementById("loanTerm").value) || 0;
var monthlyRent = parseFloat(document.getElementById("monthlyRent").value) || 0;
var propertyTax = parseFloat(document.getElementById("propertyTax").value) || 0;
var insurance = parseFloat(document.getElementById("insurance").value) || 0;
var hoa = parseFloat(document.getElementById("hoa").value) || 0;
var vacancyRate = parseFloat(document.getElementById("vacancyRate").value) || 0;
var maintenanceRate = parseFloat(document.getElementById("maintenanceRate").value) || 0;
// Calculations
// 1. Mortgage Payment
var loanAmount = purchasePrice – downPayment;
var monthlyInterest = (interestRate / 100) / 12;
var numberOfPayments = loanTerm * 12;
var mortgagePayment = 0;
if (loanAmount > 0 && interestRate > 0) {
mortgagePayment = loanAmount * (monthlyInterest * Math.pow(1 + monthlyInterest, numberOfPayments)) / (Math.pow(1 + monthlyInterest, numberOfPayments) – 1);
} else if (loanAmount > 0 && interestRate === 0) {
mortgagePayment = loanAmount / numberOfPayments;
}
// 2. Variable Expenses
var vacancyCost = monthlyRent * (vacancyRate / 100);
var maintenanceCost = monthlyRent * (maintenanceRate / 100);
// 3. Total Operating Expenses (Monthly)
// Note: Mortgage is Debt Service, not Operating Expense for NOI calculation
var operatingExpenses = propertyTax + insurance + hoa + vacancyCost + maintenanceCost;
// 4. Net Operating Income (Monthly)
var monthlyNOI = monthlyRent – operatingExpenses;
// 5. Total Expenses (including mortgage)
var totalMonthlyExpenses = operatingExpenses + mortgagePayment;
// 6. Cash Flow
var monthlyCashFlow = monthlyRent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// 7. Total Cash Invested
var totalCashInvested = downPayment + closingCosts + rehabCosts;
// 8. Returns
var cashOnCash = 0;
if (totalCashInvested > 0) {
cashOnCash = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (purchasePrice > 0) {
capRate = ((monthlyNOI * 12) / purchasePrice) * 100;
}
// Display Results
document.getElementById("resultsArea").style.display = "block";
document.getElementById("resMortgage").innerText = formatCurrency(mortgagePayment);
document.getElementById("resExpenses").innerText = formatCurrency(totalMonthlyExpenses);
document.getElementById("resNOI").innerText = formatCurrency(monthlyNOI);
var cashFlowEl = document.getElementById("resCashFlow");
cashFlowEl.innerText = formatCurrency(monthlyCashFlow);
if (monthlyCashFlow < 0) {
cashFlowEl.classList.add("negative-result");
} else {
cashFlowEl.classList.remove("negative-result");
}
var cocEl = document.getElementById("resCoC");
cocEl.innerText = cashOnCash.toFixed(2) + "%";
if (cashOnCash < 0) {
cocEl.classList.add("negative-result");
} else {
cocEl.classList.remove("negative-result");
}
document.getElementById("resCapRate").innerText = capRate.toFixed(2) + "%";
}
function formatCurrency(num) {
return "$" + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
Rental Property Cash Flow Calculator
Purchase Info
Loan Details
Income & Expenses (Monthly)
Monthly Mortgage Payment (P&I):
$0.00
Total Monthly Expenses:
$0.00
Net Operating Income (NOI) / Month:
$0.00
Monthly Cash Flow:
$0.00
Cash on Cash Return (Annual):
0.00%
Cap Rate:
0.00%
Understanding Rental Property Cash Flow
Before investing in real estate, determining the potential profitability of a rental property is crucial. A Rental Property Cash Flow Calculator helps investors analyze deals by subtracting all operating expenses and debt service from the gross rental income.
Key Metrics Explained
- Net Operating Income (NOI): This is the total income the property generates minus all necessary operating expenses (taxes, insurance, maintenance), but excluding mortgage payments. It is a pure measure of the asset's performance.
- Cash Flow: This is the net amount of cash moving in or out of the investment each month. Positive cash flow means the property pays for itself and generates profit, while negative cash flow implies the owner must contribute money monthly to keep the property running.
- Cash on Cash Return (CoC): A vital metric for investors, CoC measures the annual pre-tax cash flow divided by the total cash invested (down payment, closing costs, and rehab costs). It tells you how hard your actual cash is working for you.
- Cap Rate: The Capitalization Rate is calculated by dividing the annual NOI by the property's purchase price. It allows investors to compare the profitability of different properties regardless of how they are financed.
How to Estimate Expenses
One common mistake new investors make is underestimating expenses. When using this calculator, ensure you account for:
- Vacancy: Properties are rarely occupied 100% of the time. A standard 5-8% vacancy rate provision ensures you have a buffer for turnover periods.
- Maintenance & CapEx: Roofs leak and water heaters break. Setting aside 10-15% of the monthly rent for repairs and Capital Expenditures (CapEx) protects your cash flow from sudden shocks.
- Property Management: Even if you plan to self-manage, it is wise to calculate the numbers assuming a 10% management fee to ensure the deal still works if you decide to outsource later.
Use this tool to stress-test your investment scenarios. Try adjusting the rent price or interest rate to see how sensitive your Cash on Cash return is to market changes.