Ct Sales Tax Rate Calculator

.rp-calc-container { max-width: 800px; margin: 0 auto; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif; color: #333; background: #fff; border: 1px solid #e2e8f0; border-radius: 8px; padding: 2rem; box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05); } .rp-calc-header { text-align: center; margin-bottom: 2rem; } .rp-calc-header h2 { margin: 0; color: #2d3748; font-size: 1.8rem; } .rp-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; } @media (max-width: 600px) { .rp-grid { grid-template-columns: 1fr; } } .rp-input-group { margin-bottom: 1rem; } .rp-input-group label { display: block; font-weight: 600; margin-bottom: 0.5rem; color: #4a5568; font-size: 0.9rem; } .rp-input-group input { width: 100%; padding: 0.75rem; border: 1px solid #cbd5e0; border-radius: 4px; font-size: 1rem; box-sizing: border-box; transition: border-color 0.2s; } .rp-input-group input:focus { outline: none; border-color: #4299e1; box-shadow: 0 0 0 3px rgba(66, 153, 225, 0.2); } .rp-btn { width: 100%; background-color: #48bb78; color: white; border: none; padding: 1rem; font-size: 1.1rem; font-weight: bold; border-radius: 4px; cursor: pointer; transition: background-color 0.2s; margin-top: 1rem; } .rp-btn:hover { background-color: #38a169; } .rp-results { margin-top: 2rem; background-color: #f7fafc; border-radius: 6px; padding: 1.5rem; border: 1px solid #e2e8f0; display: none; } .rp-result-row { display: flex; justify-content: space-between; padding: 0.75rem 0; border-bottom: 1px solid #e2e8f0; } .rp-result-row:last-child { border-bottom: none; } .rp-result-label { color: #4a5568; } .rp-result-value { font-weight: bold; color: #2d3748; } .rp-highlight { font-size: 1.25rem; color: #2f855a; } .rp-negative { color: #c53030; } .rp-article { max-width: 800px; margin: 3rem auto; line-height: 1.6; color: #2d3748; } .rp-article h2 { font-size: 1.5rem; margin-top: 2rem; margin-bottom: 1rem; color: #1a202c; } .rp-article p { margin-bottom: 1rem; } .rp-article ul { margin-bottom: 1rem; padding-left: 1.5rem; } .rp-article li { margin-bottom: 0.5rem; }

Rental Property Cash Flow Calculator

Analyze your real estate investment potential

Monthly Mortgage Payment (P&I): $0.00
Total Monthly Expenses: $0.00
Net Operating Income (Monthly): $0.00
Monthly Cash Flow: $0.00
Cash on Cash Return (Annual): 0.00%
Cap Rate: 0.00%
function calculateCashFlow() { // 1. Get Input Values var price = parseFloat(document.getElementById('purchasePrice').value); var downPaymentPercent = parseFloat(document.getElementById('downPayment').value); var interestRate = parseFloat(document.getElementById('interestRate').value); var termYears = parseFloat(document.getElementById('loanTerm').value); var rent = parseFloat(document.getElementById('monthlyRent').value); var taxYearly = parseFloat(document.getElementById('propertyTax').value); var insuranceYearly = parseFloat(document.getElementById('insurance').value); var maintenanceMonthly = parseFloat(document.getElementById('otherExpenses').value); // Validate inputs if (isNaN(price) || isNaN(downPaymentPercent) || isNaN(interestRate) || isNaN(termYears) || isNaN(rent)) { alert("Please fill in all required fields with valid numbers."); return; } // 2. Mortgage Calculation var downPaymentAmount = price * (downPaymentPercent / 100); var loanAmount = price – downPaymentAmount; var monthlyRate = (interestRate / 100) / 12; var numberOfPayments = termYears * 12; var monthlyMortgage = 0; if (interestRate === 0) { monthlyMortgage = loanAmount / numberOfPayments; } else { monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1); } // 3. Expense Calculations var monthlyTax = taxYearly / 12; var monthlyInsurance = insuranceYearly / 12; var totalMonthlyExpenses = monthlyTax + monthlyInsurance + maintenanceMonthly + monthlyMortgage; var operatingExpenses = monthlyTax + monthlyInsurance + maintenanceMonthly; // Excluding mortgage for NOI // 4. Profitability Metrics var monthlyNOI = rent – operatingExpenses; var monthlyCashFlow = rent – totalMonthlyExpenses; var annualCashFlow = monthlyCashFlow * 12; var annualNOI = monthlyNOI * 12; // Cash on Cash Return = Annual Cash Flow / Total Cash Invested (Down Payment) // Note: Simplified to just down payment. Could include closing costs if added to inputs. var cashOnCash = (annualCashFlow / downPaymentAmount) * 100; // Cap Rate = Annual NOI / Purchase Price var capRate = (annualNOI / price) * 100; // 5. Update UI document.getElementById('resMortgage').innerText = "$" + monthlyMortgage.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,'); document.getElementById('resExpenses').innerText = "$" + totalMonthlyExpenses.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,'); document.getElementById('resNOI').innerText = "$" + monthlyNOI.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,'); var cfElement = document.getElementById('resCashFlow'); cfElement.innerText = "$" + monthlyCashFlow.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,'); // Style adjustments for negative flow if (monthlyCashFlow < 0) { cfElement.classList.add('rp-negative'); cfElement.classList.remove('rp-highlight'); } else { cfElement.classList.remove('rp-negative'); cfElement.classList.add('rp-highlight'); } document.getElementById('resCoC').innerText = cashOnCash.toFixed(2) + "%"; document.getElementById('resCapRate').innerText = capRate.toFixed(2) + "%"; // Show results container document.getElementById('resultsSection').style.display = 'block'; }

Understanding Rental Property Cash Flow

Investing in real estate is one of the most reliable ways to build wealth, but the success of an investment property hinges on the numbers. Our Rental Property Cash Flow Calculator helps you determine whether a potential property is a sound financial decision or a money pit.

What is Cash Flow?

Cash flow is the net amount of cash moving into or out of your investment business. In rental real estate, positive cash flow means the rental income exceeds all expenses, including the mortgage, taxes, insurance, and maintenance. Negative cash flow means you are losing money every month to hold the property.

Key Metrics Explained

  • Net Operating Income (NOI): This is your annual income minus operating expenses (like taxes and repairs) but before mortgage payments. It measures the profitability of the property itself, regardless of financing.
  • Cash on Cash Return (CoC): This metric calculates the cash income earned on the cash invested. It is calculated by dividing the annual pre-tax cash flow by the total cash invested (usually the down payment plus closing costs). A CoC return of 8-12% is often considered good in many markets.
  • Cap Rate (Capitalization Rate): The ratio of Net Operating Income to the property's asset value. It helps compare the profitability of different properties without considering the financing method.

How to Use This Calculator

To get the most accurate results, ensure you estimate expenses conservatively. Don't forget to account for:

  • Vacancy Rates: Properties won't be rented 100% of the time. Setting aside 5-10% of rent for vacancies is a prudent safety net.
  • Maintenance & Repairs: Even new homes require upkeep. Budgeting 1% of the property value per year or 10% of rental income is standard practice.
  • Property Management: If you plan to hire a manager, deduct 8-10% of the monthly rent.

By inputting realistic numbers for purchase price, loan terms, and operating costs, you can forecast your monthly income and make data-driven investment decisions.

Leave a Comment