.calculator-wrapper {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
color: #333;
line-height: 1.6;
}
.calc-container {
background-color: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 30px;
margin-bottom: 40px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.calc-title {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 28px;
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: 8px;
font-weight: 600;
font-size: 14px;
color: #555;
}
.input-group input, .input-group select {
width: 100%;
padding: 12px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
transition: border-color 0.3s;
}
.input-group input:focus {
border-color: #3498db;
outline: none;
}
.calc-btn {
display: block;
width: 100%;
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
margin-top: 20px;
transition: background-color 0.3s;
}
.calc-btn:hover {
background-color: #219150;
}
.results-section {
margin-top: 30px;
padding-top: 20px;
border-top: 2px solid #eee;
display: none;
}
.result-card {
background: #fff;
padding: 20px;
border-radius: 6px;
border-left: 5px solid #3498db;
margin-bottom: 15px;
box-shadow: 0 2px 4px rgba(0,0,0,0.05);
}
.result-card.positive {
border-left-color: #27ae60;
}
.result-card.negative {
border-left-color: #e74c3c;
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
font-size: 16px;
}
.result-row.total {
font-weight: bold;
font-size: 18px;
border-top: 1px solid #eee;
padding-top: 10px;
margin-top: 10px;
color: #2c3e50;
}
.seo-content {
margin-top: 50px;
padding: 20px;
background: #fff;
}
.seo-content h2 {
color: #2c3e50;
margin-top: 30px;
}
.seo-content h3 {
color: #34495e;
margin-top: 20px;
}
.seo-content p, .seo-content li {
font-size: 16px;
color: #444;
margin-bottom: 15px;
}
.seo-content ul {
padding-left: 20px;
}
.highlight-box {
background-color: #e8f6f3;
padding: 15px;
border-radius: 5px;
margin: 20px 0;
border: 1px solid #d0e9e4;
}
function calculateCashFlow() {
// 1. Get Inputs
var purchasePrice = parseFloat(document.getElementById('purchasePrice').value);
var downPayment = parseFloat(document.getElementById('downPayment').value);
var interestRate = parseFloat(document.getElementById('interestRate').value);
var loanTerm = parseFloat(document.getElementById('loanTerm').value);
var rentalIncome = parseFloat(document.getElementById('rentalIncome').value);
var closingCosts = parseFloat(document.getElementById('closingCosts').value);
var propertyTax = parseFloat(document.getElementById('propertyTax').value);
var insurance = parseFloat(document.getElementById('insurance').value);
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value);
var maintenanceRate = parseFloat(document.getElementById('maintenanceRate').value);
var hoaFees = parseFloat(document.getElementById('hoaFees').value);
// Validation
if (isNaN(purchasePrice) || isNaN(downPayment) || isNaN(rentalIncome)) {
alert("Please enter valid numbers for Price, Down Payment, and Rental Income.");
return;
}
// Defaults for empty optional fields
if (isNaN(closingCosts)) closingCosts = 0;
if (isNaN(propertyTax)) propertyTax = 0;
if (isNaN(insurance)) insurance = 0;
if (isNaN(vacancyRate)) vacancyRate = 0;
if (isNaN(maintenanceRate)) maintenanceRate = 0;
if (isNaN(hoaFees)) hoaFees = 0;
if (isNaN(interestRate)) interestRate = 0;
if (isNaN(loanTerm)) loanTerm = 30;
// 2. Mortgage Calculation
var loanAmount = purchasePrice – downPayment;
var monthlyMortgage = 0;
if (loanAmount > 0 && interestRate > 0) {
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = loanTerm * 12;
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else if (loanAmount > 0 && interestRate === 0) {
monthlyMortgage = loanAmount / (loanTerm * 12);
}
// 3. Monthly Expenses Calculation
var monthlyTax = propertyTax / 12;
var monthlyInsurance = insurance / 12;
var vacancyCost = rentalIncome * (vacancyRate / 100);
var maintenanceCost = rentalIncome * (maintenanceRate / 100);
var totalOperatingExpenses = monthlyTax + monthlyInsurance + vacancyCost + maintenanceCost + hoaFees;
var totalMonthlyExpenses = totalOperatingExpenses + monthlyMortgage;
// 4. Returns Calculation
var monthlyCashFlow = rentalIncome – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
var totalCashInvested = downPayment + closingCosts;
// ROI
var cashOnCashROI = 0;
if (totalCashInvested > 0) {
cashOnCashROI = (annualCashFlow / totalCashInvested) * 100;
}
// Cap Rate = (NOI / Price) * 100
// NOI = Annual Income – Annual Operating Expenses (Excluding Mortgage)
var annualNOI = (rentalIncome * 12) – (totalOperatingExpenses * 12);
var capRate = 0;
if (purchasePrice > 0) {
capRate = (annualNOI / purchasePrice) * 100;
}
// 5. Update UI
document.getElementById('monthlyCashFlowResult').innerText = formatCurrency(monthlyCashFlow);
document.getElementById('annualCashFlowResult').innerText = formatCurrency(annualCashFlow);
document.getElementById('roiResult').innerText = cashOnCashROI.toFixed(2) + "%";
document.getElementById('capRateResult').innerText = capRate.toFixed(2) + "%";
document.getElementById('totalInvestedResult').innerText = formatCurrency(totalCashInvested);
document.getElementById('mortgageResult').innerText = formatCurrency(monthlyMortgage);
document.getElementById('taxInsResult').innerText = formatCurrency(monthlyTax + monthlyInsurance);
document.getElementById('vacMaintResult').innerText = formatCurrency(vacancyCost + maintenanceCost);
document.getElementById('hoaResult').innerText = formatCurrency(hoaFees);
document.getElementById('totalExpensesResult').innerText = formatCurrency(totalMonthlyExpenses);
// Styling positive/negative
var cfCard = document.getElementById('cashFlowCard');
if (monthlyCashFlow >= 0) {
cfCard.className = "result-card positive";
} else {
cfCard.className = "result-card negative";
}
document.getElementById('resultsArea').style.display = 'block';
}
function formatCurrency(num) {
return "$" + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
Rental Property Cash Flow Calculator
Analysis Results
Monthly Cash Flow:
$0.00
Annual Cash Flow:
$0.00
Cash on Cash ROI:
0.00%
Cap Rate:
0.00%
Total Cash Invested:
$0.00
Monthly Expense Breakdown
Mortgage (P&I):
$0.00
Tax & Insurance:
$0.00
Vacancy & Maintenance:
$0.00
HOA:
$0.00
Total Monthly Expenses:
$0.00
Understanding Rental Property Cash Flow
Investing in real estate is one of the most reliable ways to build wealth, but simply buying a property doesn't guarantee profit. The Rental Property Cash Flow Calculator helps investors determine the viability of a potential investment by analyzing income, expenses, and return on investment (ROI).
What is Cash Flow?
Cash flow is the net amount of cash moving into and out of a business. In real estate, positive cash flow means your rental income exceeds all expenses (mortgage, taxes, insurance, repairs), putting money in your pocket every month.
Cash flow is the net amount of cash moving into and out of a business. In real estate, positive cash flow means your rental income exceeds all expenses (mortgage, taxes, insurance, repairs), putting money in your pocket every month.
Key Metrics Explained
- Cash on Cash ROI: This measures the annual return on the actual cash you invested (down payment + closing costs), rather than the total property price. A healthy Cash on Cash return is typically considered to be above 8-12%, though this varies by market.
- Cap Rate (Capitalization Rate): This metric evaluates the profitability of a property independent of its financing. It is calculated by dividing the Net Operating Income (NOI) by the property's current market value. It helps compare properties directly, regardless of how they are purchased (cash vs. loan).
- Net Operating Income (NOI): The total revenue from the property minus all necessary operating expenses. NOI excludes mortgage payments and is crucial for calculating Cap Rate.
Common Expenses Often Overlooked
When calculating rental property profitability, many novice investors fail to account for "hidden" costs. Our calculator includes fields for:
- Vacancy Rate: Properties are rarely occupied 100% of the time. Setting aside 5-8% of rent helps cover periods between tenants.
- Maintenance & CapEx: Even new homes need repairs. Capital Expenditures (CapEx) refer to major replacements like roofs or HVAC systems. Budgeting 10-15% of rent is a prudent strategy.
- HOA Fees: If the property is in a managed community, Homeowners Association fees can significantly eat into monthly profits.
How to Improve Your ROI
If the numbers from the calculator show a negative or low cash flow, consider these strategies:
- Increase Rent: Research local market rates to ensure you aren't undercharging.
- Decrease Expenses: Shop around for cheaper insurance or challenge your property tax assessment.
- Larger Down Payment: Putting more money down reduces your monthly mortgage payment, instantly improving monthly cash flow (though it may lower your Cash on Cash ROI percentage).