.rpc-header {
text-align: center;
margin-bottom: 30px;
color: #2c3e50;
}
.rpc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 768px) {
.rpc-grid {
grid-template-columns: 1fr;
}
}
.rpc-input-group {
margin-bottom: 15px;
}
.rpc-input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #555;
font-size: 0.9em;
}
.rpc-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rpc-section-title {
grid-column: 1 / -1;
font-size: 1.2em;
color: #2980b9;
border-bottom: 2px solid #f0f0f0;
padding-bottom: 10px;
margin-top: 20px;
margin-bottom: 15px;
}
.rpc-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;
width: 100%;
}
.rpc-btn:hover {
background-color: #219150;
}
#rpc-results {
grid-column: 1 / -1;
background-color: #f8f9fa;
border: 1px solid #e9ecef;
border-radius: 8px;
padding: 20px;
margin-top: 20px;
display: none;
}
.rpc-result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #e0e0e0;
}
.rpc-result-row:last-child {
border-bottom: none;
}
.rpc-big-metric {
text-align: center;
padding: 20px 0;
background-color: #e8f5e9;
border-radius: 8px;
margin-bottom: 20px;
}
.rpc-big-metric h3 {
margin: 0;
color: #27ae60;
font-size: 2.5em;
}
.rpc-big-metric span {
color: #555;
font-size: 1em;
text-transform: uppercase;
letter-spacing: 1px;
}
.rpc-article {
margin-top: 50px;
line-height: 1.6;
color: #333;
}
.rpc-article h2 {
color: #2c3e50;
margin-top: 30px;
}
.rpc-article ul {
padding-left: 20px;
}
.rpc-article li {
margin-bottom: 10px;
}
function calculateRental() {
// Get Inputs
var price = parseFloat(document.getElementById('rpc_price').value) || 0;
var closing = parseFloat(document.getElementById('rpc_closing').value) || 0;
var downPercent = parseFloat(document.getElementById('rpc_down').value) || 0;
var interestRate = parseFloat(document.getElementById('rpc_rate').value) || 0;
var years = parseFloat(document.getElementById('rpc_years').value) || 0;
var rent = parseFloat(document.getElementById('rpc_rent').value) || 0;
var otherIncome = parseFloat(document.getElementById('rpc_other_income').value) || 0;
var taxYearly = parseFloat(document.getElementById('rpc_tax').value) || 0;
var insuranceYearly = parseFloat(document.getElementById('rpc_insurance').value) || 0;
var hoa = parseFloat(document.getElementById('rpc_hoa').value) || 0;
var vacancyPercent = parseFloat(document.getElementById('rpc_vacancy').value) || 0;
var capexPercent = parseFloat(document.getElementById('rpc_capex').value) || 0;
var mgmtPercent = parseFloat(document.getElementById('rpc_management').value) || 0;
// Calculations
// 1. Initial Investment
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var totalInvestment = downPayment + closing;
// 2. Mortgage Payment (Principal & Interest)
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = years * 12;
var mortgagePayment = 0;
if (interestRate === 0) {
mortgagePayment = loanAmount / numberOfPayments;
} else {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
}
if (isNaN(mortgagePayment) || !isFinite(mortgagePayment)) {
mortgagePayment = 0;
}
// 3. Income
var totalMonthlyIncome = rent + otherIncome;
// 4. Operating Expenses (Variable based on rent)
var vacancyCost = totalMonthlyIncome * (vacancyPercent / 100);
var capexCost = totalMonthlyIncome * (capexPercent / 100);
var mgmtCost = totalMonthlyIncome * (mgmtPercent / 100);
// 5. Fixed Expenses
var taxMonthly = taxYearly / 12;
var insuranceMonthly = insuranceYearly / 12;
// 6. Total Expenses
var operatingExpenses = taxMonthly + insuranceMonthly + hoa + vacancyCost + capexCost + mgmtCost;
var totalExpenses = operatingExpenses + mortgagePayment;
// 7. Key Metrics
var cashFlow = totalMonthlyIncome – totalExpenses;
var annualCashFlow = cashFlow * 12;
var noiMonthly = totalMonthlyIncome – operatingExpenses;
var noiAnnual = noiMonthly * 12;
var cocReturn = 0;
if (totalInvestment > 0) {
cocReturn = (annualCashFlow / totalInvestment) * 100;
}
var capRate = 0;
if (price > 0) {
capRate = (noiAnnual / price) * 100;
}
// Display Results
document.getElementById('rpc_result_cashflow').innerHTML = formatCurrency(cashFlow);
document.getElementById('rpc_result_cashflow').style.color = cashFlow >= 0 ? '#27ae60' : '#c0392b';
document.getElementById('rpc_result_noi').innerHTML = formatCurrency(noiMonthly);
document.getElementById('rpc_result_expenses').innerHTML = formatCurrency(totalExpenses);
document.getElementById('rpc_result_mortgage').innerHTML = formatCurrency(mortgagePayment);
document.getElementById('rpc_result_coc').innerHTML = cocReturn.toFixed(2) + '%';
document.getElementById('rpc_result_cap').innerHTML = capRate.toFixed(2) + '%';
document.getElementById('rpc_result_investment').innerHTML = formatCurrency(totalInvestment);
// Show results container
document.getElementById('rpc-results').style.display = 'block';
}
function formatCurrency(num) {
return '$' + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
Rental Property Cash Flow Calculator
Analyze your real estate investment deal instantly.
Purchase Information
Financing Details
Rental Income
Expenses
$0.00
Monthly Cash Flow
Net Operating Income (NOI) / Mo:
$0.00
Total Monthly Expenses:
$0.00
Mortgage Payment (P&I):
$0.00
Cash on Cash Return (CoC):
0.00%
Cap Rate:
0.00%
Total Initial Investment:
$0.00
How to Use This Rental Property Calculator
Investing in real estate is one of the most reliable ways to build wealth, but simply buying a property and renting it out doesn't guarantee profit. You need to understand the numbers. This Rental Property Cash Flow Calculator helps you break down the income, expenses, and financing costs to determine if a deal makes financial sense.
Understanding the Key Metrics
When analyzing a rental property, there are three main numbers you should focus on:
- Cash Flow: This is your profit after all bills are paid. It is calculated as Total Income – Total Expenses (including mortgage). Positive cash flow means the property pays you every month. Negative cash flow means you are paying to hold the property.
- Cash on Cash Return (CoC): This measures the return on the actual cash you invested (down payment + closing costs + rehab). A CoC of 8-12% is generally considered good for residential real estate.
- Cap Rate (Capitalization Rate): This metric helps you compare the profitability of a property assuming you bought it with all cash. It is calculated as Net Operating Income / Purchase Price. It helps compare properties regardless of financing.
Common Expenses Investors Forget
Many new investors overestimate their profit by ignoring hidden costs. Ensure you account for:
- Vacancy: Your property won't be rented 365 days a year. A 5-8% vacancy allowance is standard.
- CapEx (Capital Expenditures): Roofs, water heaters, and HVAC systems eventually break. Setting aside 5-10% of rent monthly ensures you have funds when these big expenses hit.
- Property Management: Even if you self-manage now, calculating a 10% fee helps you see if the deal still works if you hire a manager later.
Interpretation of Results
If your Monthly Cash Flow is negative, the property is a liability, not an asset, unless you are banking purely on appreciation (which is risky). If your Cash on Cash Return is lower than the stock market average (7-10%), you might be better off investing passively elsewhere. Use this calculator to tweak your offer price or down payment until the numbers work for your investment goals.