Deposit Annual Interest Rate Calculator

Rental Property Cash Flow Calculator :root { –primary-color: #2c3e50; –accent-color: #27ae60; –background-light: #f4f7f6; –border-color: #dcdcdc; –text-color: #333; } body { font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif; line-height: 1.6; color: var(–text-color); max-width: 800px; margin: 0 auto; padding: 20px; } .calculator-container { background: #fff; padding: 30px; border-radius: 8px; box-shadow: 0 4px 15px rgba(0,0,0,0.1); margin-bottom: 40px; border: 1px solid var(–border-color); } .calculator-title { text-align: center; color: var(–primary-color); 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; } } .form-group { margin-bottom: 15px; } .form-group label { display: block; margin-bottom: 5px; font-weight: 600; font-size: 14px; } .form-group input { width: 100%; padding: 10px; border: 1px solid var(–border-color); border-radius: 4px; font-size: 16px; box-sizing: border-box; } .form-group input:focus { outline: none; border-color: var(–accent-color); box-shadow: 0 0 0 2px rgba(39, 174, 96, 0.2); } .section-header { grid-column: 1 / -1; font-size: 18px; font-weight: bold; color: var(–primary-color); border-bottom: 2px solid var(–background-light); padding-bottom: 5px; margin-top: 10px; margin-bottom: 10px; } .btn-calculate { display: block; width: 100%; background: var(–accent-color); color: white; border: none; padding: 15px; font-size: 18px; font-weight: bold; border-radius: 4px; cursor: pointer; margin-top: 20px; transition: background 0.3s ease; } .btn-calculate:hover { background: #219150; } #results-area { margin-top: 30px; padding: 20px; background: var(–background-light); border-radius: 6px; display: none; } .result-row { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid #e0e0e0; } .result-row:last-child { border-bottom: none; } .result-label { font-weight: 600; } .result-value { font-weight: 700; color: var(–primary-color); } .highlight-result { color: var(–accent-color); font-size: 20px; } .negative { color: #c0392b; } article { margin-top: 50px; } article h2 { color: var(–primary-color); border-bottom: 2px solid var(–accent-color); padding-bottom: 10px; margin-top: 30px; } article p, article ul { margin-bottom: 20px; } article li { margin-bottom: 10px; } .info-box { background-color: #e8f6f3; border-left: 5px solid var(–accent-color); padding: 15px; margin: 20px 0; }
Rental Property Cash Flow Calculator
Purchase & Financing
Income & Expenses
Monthly Net Cash Flow $0.00
Cash on Cash Return (CoC) 0.00%
Cap Rate 0.00%
Net Operating Income (Monthly) $0.00
Total Monthly Expenses $0.00
Mortgage Payment (P&I) $0.00
function calculateRental() { // 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 loanTerm = parseFloat(document.getElementById('loanTerm').value); var closingCosts = parseFloat(document.getElementById('closingCosts').value); var monthlyRent = parseFloat(document.getElementById('monthlyRent').value); var annualTax = parseFloat(document.getElementById('propertyTax').value); var annualInsurance = parseFloat(document.getElementById('insurance').value); var monthlyHOA = parseFloat(document.getElementById('hoa').value); var maintenancePercent = parseFloat(document.getElementById('maintenance').value); var vacancyPercent = parseFloat(document.getElementById('vacancy').value); // Validation if (isNaN(price) || isNaN(monthlyRent)) { alert("Please enter valid numbers for Purchase Price and Rental Income."); return; } // Defaults for empty fields if not caught by isNaN (though parseFloat handles empty string as NaN usually) if (isNaN(downPaymentPercent)) downPaymentPercent = 0; if (isNaN(closingCosts)) closingCosts = 0; if (isNaN(monthlyHOA)) monthlyHOA = 0; if (isNaN(maintenancePercent)) maintenancePercent = 0; if (isNaN(vacancyPercent)) vacancyPercent = 0; // 1. Calculate Mortgage (P&I) var downPaymentAmount = price * (downPaymentPercent / 100); var loanAmount = price – downPaymentAmount; var monthlyRate = (interestRate / 100) / 12; var numberOfPayments = loanTerm * 12; var monthlyMortgage = 0; if (interestRate > 0) { monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1); } else { monthlyMortgage = loanAmount / numberOfPayments; } // 2. Calculate Operating Expenses var monthlyTax = annualTax / 12; var monthlyInsurance = annualInsurance / 12; var monthlyMaintenance = monthlyRent * (maintenancePercent / 100); var monthlyVacancy = monthlyRent * (vacancyPercent / 100); var operatingExpenses = monthlyTax + monthlyInsurance + monthlyHOA + monthlyMaintenance + monthlyVacancy; var totalMonthlyExpenses = operatingExpenses + monthlyMortgage; // 3. Calculate Metrics var monthlyNOI = monthlyRent – operatingExpenses; var monthlyCashFlow = monthlyNOI – monthlyMortgage; var annualCashFlow = monthlyCashFlow * 12; var annualNOI = monthlyNOI * 12; var totalInitialInvestment = downPaymentAmount + closingCosts; // Cash on Cash Return = Annual Cash Flow / Total Cash Invested var cocReturn = 0; if (totalInitialInvestment > 0) { cocReturn = (annualCashFlow / totalInitialInvestment) * 100; } // Cap Rate = Annual NOI / Purchase Price var capRate = (annualNOI / price) * 100; // Display Results var cashFlowElement = document.getElementById('monthlyCashFlow'); cashFlowElement.innerText = formatCurrency(monthlyCashFlow); if (monthlyCashFlow < 0) { cashFlowElement.classList.add('negative'); cashFlowElement.classList.remove('highlight-result'); } else { cashFlowElement.classList.remove('negative'); cashFlowElement.classList.add('highlight-result'); } document.getElementById('cocReturn').innerText = cocReturn.toFixed(2) + '%'; document.getElementById('capRate').innerText = capRate.toFixed(2) + '%'; document.getElementById('monthlyNOI').innerText = formatCurrency(monthlyNOI); document.getElementById('totalExpenses').innerText = formatCurrency(totalMonthlyExpenses); document.getElementById('mortgagePayment').innerText = formatCurrency(monthlyMortgage); // Show results div document.getElementById('results-area').style.display = 'block'; } function formatCurrency(num) { return '$' + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,'); }

Understanding Rental Property Cash Flow

Investing in real estate is a powerful way to build wealth, but simply buying a property doesn't guarantee profit. The most critical metric for buy-and-hold investors is Cash Flow. This calculator helps you determine if a potential rental property will put money in your pocket every month or become a financial liability.

What is Cash Flow?
Cash flow is the net amount of cash moving into or out of a business or investment. In real estate, it represents the money remaining after all expenses—including the mortgage, taxes, insurance, and maintenance—have been paid from the rental income.

How to Calculate Rental Property Cash Flow

To accurately calculate cash flow, you must account for both fixed and variable expenses. The formula used in our calculator is:

  • Gross Income: Total monthly rent collected.
  • Operating Expenses: Property taxes, insurance, HOA fees, maintenance reserves, and vacancy allowances.
  • Net Operating Income (NOI): Gross Income minus Operating Expenses.
  • Debt Service: Your monthly mortgage payment (Principal & Interest).
  • Cash Flow: NOI minus Debt Service.

Key Metrics Explained

Beyond simple cash flow, this tool provides advanced metrics to evaluate your investment performance:

1. Cash on Cash Return (CoC)

This measures the return on the actual cash you invested (down payment + closing costs), rather than the total price of the property. It is calculated as:

CoC ROI = (Annual Cash Flow / Total Cash Invested) × 100

A "good" CoC return varies by market, but many investors aim for 8-12%.

2. Cap Rate (Capitalization Rate)

Cap rate measures a property's natural rate of return assuming it was bought with cash (no mortgage). It allows you to compare properties regardless of financing.

Cap Rate = (Annual NOI / Purchase Price) × 100

Example Calculation

Imagine you purchase a property for $250,000 with 20% down. Your loan is $200,000 at 6.5% interest.

  • Rental Income: $2,200/month
  • Mortgage Payment: ~$1,264/month
  • Taxes & Insurance: ~$350/month
  • Reserves (Vacancy/Maint): ~$220/month
  • Total Expenses: ~$1,834/month
  • Cash Flow: $2,200 – $1,834 = $366/month

Using this calculator ensures you don't overlook hidden costs like vacancy rates (periods where the unit sits empty) and maintenance reserves (saving for future repairs like a new roof or water heater).

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