.calculator-wrapper {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #ffffff;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 4px 12px rgba(0,0,0,0.05);
padding: 30px;
color: #333;
}
.calc-header {
text-align: center;
margin-bottom: 30px;
}
.calc-header h2 {
margin: 0 0 10px 0;
color: #2c3e50;
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 768px) {
.calc-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 0.9rem;
color: #555;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 1rem;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 0 2px rgba(52, 152, 219, 0.2);
}
.section-title {
grid-column: 1 / -1;
font-size: 1.1rem;
font-weight: 700;
color: #2c3e50;
margin-top: 10px;
margin-bottom: 10px;
border-bottom: 2px solid #f0f0f0;
padding-bottom: 5px;
}
.calc-btn {
grid-column: 1 / -1;
background-color: #2ecc71;
color: white;
border: none;
padding: 15px;
font-size: 1.1rem;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
}
.calc-btn:hover {
background-color: #27ae60;
}
#results-area {
display: none;
grid-column: 1 / -1;
background: #f8f9fa;
padding: 20px;
border-radius: 6px;
margin-top: 20px;
border-left: 5px solid #2ecc71;
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
font-weight: 600;
color: #555;
}
.result-value {
font-weight: 700;
color: #2c3e50;
}
.result-value.positive {
color: #27ae60;
}
.result-value.negative {
color: #e74c3c;
}
.seo-content {
margin-top: 50px;
line-height: 1.6;
color: #444;
}
.seo-content h3 {
color: #2c3e50;
margin-top: 25px;
}
.seo-content p {
margin-bottom: 15px;
}
.highlight-box {
background: #e8f6f3;
padding: 15px;
border-radius: 5px;
border-left: 4px solid #1abc9c;
margin: 20px 0;
}
function calculateRentalROI() {
// 1. Get Inputs
var price = parseFloat(document.getElementById('purchasePrice').value);
var downPercent = parseFloat(document.getElementById('downPaymentPercent').value);
var rate = parseFloat(document.getElementById('interestRate').value);
var term = parseFloat(document.getElementById('loanTerm').value);
var rent = parseFloat(document.getElementById('monthlyRent').value);
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value);
var tax = parseFloat(document.getElementById('propertyTax').value);
var insurance = parseFloat(document.getElementById('insurance').value);
var maintenance = parseFloat(document.getElementById('maintenance').value);
var hoa = parseFloat(document.getElementById('hoaFees').value);
// Validation
if (isNaN(price) || isNaN(rent) || isNaN(rate) || isNaN(term)) {
alert("Please enter valid numbers for Price, Rent, Interest Rate, and Term.");
return;
}
// 2. Calculate Mortgage (P&I)
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var monthlyRate = (rate / 100) / 12;
var numberOfPayments = term * 12;
var mortgagePayment = 0;
if (rate > 0) {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else {
mortgagePayment = loanAmount / numberOfPayments;
}
// 3. Calculate Income & Vacancy Loss
var vacancyLoss = rent * (vacancyRate / 100);
var effectiveGrossIncome = rent – vacancyLoss;
// 4. Calculate Expenses
var totalOperatingExpenses = tax + insurance + maintenance + hoa;
var totalMonthlyExpenses = totalOperatingExpenses + mortgagePayment + vacancyLoss;
// 5. Calculate Metrics
var monthlyNOI = effectiveGrossIncome – totalOperatingExpenses;
var annualNOI = monthlyNOI * 12;
var monthlyCashFlow = monthlyNOI – mortgagePayment;
var annualCashFlow = monthlyCashFlow * 12;
var capRate = (annualNOI / price) * 100;
// Assume 2% closing costs for "Cash Invested" estimation
var closingCosts = price * 0.02;
var totalCashInvested = downPayment + closingCosts;
var cashOnCash = (annualCashFlow / totalCashInvested) * 100;
// 6. Display Results
// Format Currency
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
});
document.getElementById('res-mortgage').innerText = formatter.format(mortgagePayment);
document.getElementById('res-expenses').innerText = formatter.format(totalMonthlyExpenses); // Includes P&I + Vacancy + OpEx
document.getElementById('res-noi').innerText = formatter.format(monthlyNOI);
var cfElement = document.getElementById('res-cashflow');
cfElement.innerText = formatter.format(monthlyCashFlow);
if(monthlyCashFlow >= 0) {
cfElement.classList.remove('negative');
cfElement.classList.add('positive');
} else {
cfElement.classList.remove('positive');
cfElement.classList.add('negative');
}
document.getElementById('res-caprate').innerText = capRate.toFixed(2) + "%";
document.getElementById('res-coc').innerText = cashOnCash.toFixed(2) + "%";
document.getElementById('res-cashneeded').innerText = formatter.format(totalCashInvested);
// Show results div
document.getElementById('results-area').style.display = 'grid';
}
Rental Property Cash Flow Calculator
Analyze the profitability, Cap Rate, and ROI of your real estate investment.
Purchase & Loan Details
Income & Expenses (Monthly)
Investment Analysis
Monthly Principal & Interest:
$0.00
Total Monthly Expenses:
$0.00
Net Operating Income (NOI – Monthly):
$0.00
Est. Monthly Cash Flow:
$0.00
Key Metrics
Cap Rate:
0.00%
Cash on Cash Return (ROI):
0.00%
Total Cash Needed to Close:
$0.00
Understanding Your Rental Property Profitability
Investing in real estate is one of the most reliable ways to build wealth, but simply buying a property doesn't guarantee profit. To ensure a sound investment, you must analyze the numbers thoroughly using a Rental Property Cash Flow Calculator. This tool breaks down the income, expenses, and debt service to reveal the true performance of an asset.
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). This is the passive income you 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). This is the passive income you pocket every month.
Key Metrics Explained
1. Net Operating Income (NOI)
NOI is a critical metric calculated by subtracting all operating expenses from the revenue generated by the property. Note that NOI excludes mortgage payments and interest. It purely measures the profitability of the property itself, regardless of financing.
Formula: (Gross Rental Income – Vacancy) – Operating Expenses = NOI
2. Cap Rate (Capitalization Rate)
The Cap Rate allows investors to compare properties effectively. It represents the potential return on an investment assuming the property was bought with all cash. A higher Cap Rate generally indicates a higher return but may come with higher risk.
Formula: Annual NOI / Purchase Price = Cap Rate
3. Cash on Cash Return (CoC ROI)
While Cap Rate looks at the property, Cash on Cash Return looks at your money. It calculates the annual cash return relative to the actual cash you invested (down payment + closing costs). This is often the most important metric for investors using leverage (mortgages).
Formula: Annual Pre-Tax Cash Flow / Total Cash Invested = CoC Return
How to Interpret the Results
- Positive Cash Flow: The property pays for itself and generates income. This is the goal for buy-and-hold investors.
- Negative Cash Flow: The property costs you money every month to own. This might be acceptable if rapid appreciation is expected, but it increases risk.
- Target CoC: Many investors aim for a Cash on Cash return of 8-12%, though this varies by market and interest rate environment.