#rental-property-calculator-container {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
color: #333;
line-height: 1.6;
}
.rpc-calculator-box {
background-color: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 30px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
margin-bottom: 40px;
}
.rpc-header {
text-align: center;
margin-bottom: 25px;
color: #2c3e50;
}
.rpc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.rpc-grid {
grid-template-columns: 1fr;
}
}
.rpc-input-group {
margin-bottom: 15px;
}
.rpc-input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 0.9rem;
color: #555;
}
.rpc-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 1rem;
box-sizing: border-box; /* Important for padding */
}
.rpc-input-group input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 5px rgba(52, 152, 219, 0.3);
}
.rpc-section-title {
grid-column: 1 / -1;
font-size: 1.1rem;
border-bottom: 2px solid #ddd;
padding-bottom: 5px;
margin-top: 10px;
margin-bottom: 15px;
color: #2980b9;
}
.rpc-btn-container {
grid-column: 1 / -1;
text-align: center;
margin-top: 20px;
}
.rpc-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 12px 30px;
font-size: 1.1rem;
border-radius: 5px;
cursor: pointer;
transition: background-color 0.3s;
font-weight: bold;
}
.rpc-btn:hover {
background-color: #219150;
}
.rpc-results {
margin-top: 30px;
background-color: #fff;
border: 1px solid #ddd;
border-radius: 6px;
padding: 20px;
display: none; /* Hidden by default */
}
.rpc-result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.rpc-result-row:last-child {
border-bottom: none;
}
.rpc-result-label {
font-weight: 600;
color: #555;
}
.rpc-result-value {
font-weight: 700;
color: #2c3e50;
}
.rpc-highlight {
color: #27ae60;
font-size: 1.2rem;
}
.rpc-article {
margin-top: 50px;
padding: 20px;
background: #fff;
}
.rpc-article h2 {
color: #2c3e50;
margin-top: 30px;
}
.rpc-article h3 {
color: #34495e;
margin-top: 20px;
}
.rpc-article p, .rpc-article li {
color: #444;
font-size: 1rem;
}
.rpc-article ul {
padding-left: 20px;
}
.rpc-table-example {
width: 100%;
border-collapse: collapse;
margin: 20px 0;
}
.rpc-table-example th, .rpc-table-example td {
border: 1px solid #ddd;
padding: 10px;
text-align: left;
}
.rpc-table-example th {
background-color: #f2f2f2;
}
function calculateRentalROI() {
// Get Input Values
var price = parseFloat(document.getElementById('rpcPurchasePrice').value) || 0;
var downPercent = parseFloat(document.getElementById('rpcDownPayment').value) || 0;
var interestRate = parseFloat(document.getElementById('rpcInterestRate').value) || 0;
var termYears = parseFloat(document.getElementById('rpcLoanTerm').value) || 0;
var closingCosts = parseFloat(document.getElementById('rpcClosingCosts').value) || 0;
var rent = parseFloat(document.getElementById('rpcRent').value) || 0;
var annualTax = parseFloat(document.getElementById('rpcPropTax').value) || 0;
var annualIns = parseFloat(document.getElementById('rpcInsurance').value) || 0;
var hoa = parseFloat(document.getElementById('rpcHOA').value) || 0;
var maintPercent = parseFloat(document.getElementById('rpcMaintenance').value) || 0;
// Basic Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
var totalCashInvested = downPaymentAmount + closingCosts;
// Mortgage Calculation (P&I)
var monthlyRate = (interestRate / 100) / 12;
var totalPayments = termYears * 12;
var monthlyMortgage = 0;
if (interestRate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, totalPayments)) / (Math.pow(1 + monthlyRate, totalPayments) – 1);
} else {
monthlyMortgage = loanAmount / totalPayments;
}
// Expense Calculations
var monthlyTax = annualTax / 12;
var monthlyIns = annualIns / 12;
var monthlyMaint = rent * (maintPercent / 100);
// Total Operating Expenses (excluding mortgage)
var monthlyOpExpenses = monthlyTax + monthlyIns + hoa + monthlyMaint;
// Net Operating Income (NOI)
var monthlyNOI = rent – monthlyOpExpenses;
// Total Monthly Expenses (including mortgage)
var totalMonthlyExpenses = monthlyOpExpenses + monthlyMortgage;
// Cash Flow
var monthlyCashFlow = monthlyNOI – monthlyMortgage;
var annualCashFlow = monthlyCashFlow * 12;
// ROI Metrics
var cocROI = 0;
if (totalCashInvested > 0) {
cocROI = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (price > 0) {
var annualNOI = monthlyNOI * 12;
capRate = (annualNOI / price) * 100;
}
// Display Results
var currencyFmt = new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' });
var percentFmt = new Intl.NumberFormat('en-US', { style: 'percent', minimumFractionDigits: 2 });
document.getElementById('rpcResCashFlow').innerText = currencyFmt.format(monthlyCashFlow);
document.getElementById('rpcResCashFlow').style.color = monthlyCashFlow >= 0 ? '#27ae60' : '#c0392b';
document.getElementById('rpcResCoc').innerText = cocROI.toFixed(2) + "%";
document.getElementById('rpcResCoc').style.color = cocROI >= 0 ? '#27ae60' : '#c0392b';
document.getElementById('rpcResCapRate').innerText = capRate.toFixed(2) + "%";
document.getElementById('rpcResMortgage').innerText = currencyFmt.format(monthlyMortgage);
document.getElementById('rpcResExpenses').innerText = currencyFmt.format(totalMonthlyExpenses);
document.getElementById('rpcResNOI').innerText = currencyFmt.format(monthlyNOI);
document.getElementById('rpcResInvested').innerText = currencyFmt.format(totalCashInvested);
// Show results div
document.getElementById('rpcResults').style.display = 'block';
}
{
"@context": "https://schema.org",
"@type": "FAQPage",
"mainEntity": [{
"@type": "Question",
"name": "What is a good Cash on Cash ROI for rental property?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Most investors aim for a Cash on Cash ROI between 8% and 12%. However, this varies by market. In high-appreciation markets, investors might accept a lower ROI (4-6%) in exchange for future value growth."
}
}, {
"@type": "Question",
"name": "How do I calculate Net Operating Income (NOI)?",
"acceptedAnswer": {
"@type": "Answer",
"text": "NOI is calculated by subtracting all operating expenses (Taxes, Insurance, Maintenance, Management Fees, HOA) from the Total Gross Income. Note that mortgage payments are NOT included in NOI calculations."
}
}, {
"@type": "Question",
"name": "Should I include vacancy rates in my calculation?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Yes. Even if a property is currently rented, you should budget 5% to 10% of the gross rent for vacancy and maintenance to account for turnover periods and repairs."
}
}]
}
Rental Property Cash Flow Calculator
Purchase Information
Income & Expenses
Investment Analysis
Monthly Net Cash Flow:
$0.00
Cash on Cash ROI:
0.00%
Cap Rate:
0.00%
Monthly Mortgage (P&I):
$0.00
Total Monthly Expenses:
$0.00
Net Operating Income (Monthly):
$0.00
Total Cash Invested:
$0.00
How to Analyze a Rental Property Investment
Investing in real estate is a powerful way to build wealth, but simply buying a property and renting it out doesn't guarantee a profit. To succeed, you must understand the numbers. This Rental Property Cash Flow Calculator helps you evaluate the profitability of a potential deal by breaking down income, expenses, and return on investment (ROI).
Key Metrics Explained
1. Cash Flow
Cash flow is the profit you take home each month after all bills are paid. It is calculated as:
Gross Rent – (Mortgage + Taxes + Insurance + HOA + Maintenance + Vacancy) = Cash Flow
Positive cash flow ensures the property pays for itself and provides you with passive income. A negative cash flow means you are losing money every month to hold the property.
2. Cash on Cash ROI (CoC)
Cash on Cash ROI measures the return on the actual cash you invested (Down Payment + Closing Costs), rather than the total loan amount. It is a crucial metric for comparing real estate returns against stocks or other investments.
Formula: (Annual Cash Flow / Total Cash Invested) x 100
3. Cap Rate (Capitalization Rate)
Cap Rate measures the natural rate of return of the property assuming you bought it with all cash (no mortgage). It helps compare the quality of the property itself, regardless of financing terms.
Formula: (Net Operating Income / Purchase Price) x 100
Example Calculation
Let's say you are looking at a single-family home with the following details:
| Item | Value |
|---|---|
| Purchase Price | $250,000 |
| Down Payment (20%) | $50,000 |
| Closing Costs | $5,000 |
| Monthly Rent | $2,200 |
| Monthly Expenses (Tax, Ins, Maint) | $600 |
| Mortgage Payment | $1,264 (approx @ 6.5%) |
The Result:
- Total Cash Invested: $55,000
- Monthly Cash Flow: $2,200 – $600 – $1,264 = $336
- Annual Cash Flow: $4,032
- Cash on Cash ROI: ($4,032 / $55,000) = 7.33%
Use the calculator above to run your own numbers and ensure your next investment is a winner.