#rental-property-calculator-wrapper .calc-row {
display: flex;
flex-wrap: wrap;
margin-bottom: 15px;
justify-content: space-between;
}
#rental-property-calculator-wrapper .calc-col {
flex: 0 0 48%;
display: flex;
flex-direction: column;
margin-bottom: 10px;
}
#rental-property-calculator-wrapper label {
font-weight: 600;
margin-bottom: 5px;
color: #333;
font-size: 14px;
}
#rental-property-calculator-wrapper input {
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
}
#rental-property-calculator-wrapper .section-title {
width: 100%;
font-size: 18px;
color: #2c3e50;
border-bottom: 2px solid #3498db;
padding-bottom: 5px;
margin-bottom: 15px;
margin-top: 10px;
}
#rental-property-calculator-wrapper button {
background-color: #27ae60;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
border-radius: 5px;
cursor: pointer;
width: 100%;
transition: background 0.3s;
margin-top: 20px;
}
#rental-property-calculator-wrapper button:hover {
background-color: #219150;
}
#rental-property-calculator-wrapper #calculation-results {
margin-top: 30px;
background-color: #f9f9f9;
padding: 20px;
border-radius: 6px;
display: none;
border-left: 5px solid #27ae60;
}
#rental-property-calculator-wrapper .result-item {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 5px;
border-bottom: 1px dashed #ddd;
}
#rental-property-calculator-wrapper .result-item.final {
font-size: 20px;
font-weight: bold;
color: #2c3e50;
border-bottom: none;
margin-top: 15px;
border-top: 2px solid #ccc;
padding-top: 10px;
}
#rental-property-calculator-wrapper .error-msg {
color: red;
display: none;
text-align: center;
margin-top: 10px;
}
@media (max-width: 600px) {
#rental-property-calculator-wrapper .calc-col {
flex: 0 0 100%;
}
}
function calculateRentalCashFlow() {
// Get Input Values
var rent = parseFloat(document.getElementById('monthlyRent').value);
var otherIncome = parseFloat(document.getElementById('otherIncome').value);
var mortgage = parseFloat(document.getElementById('mortgagePayment').value);
var tax = parseFloat(document.getElementById('propertyTax').value);
var insurance = parseFloat(document.getElementById('insurance').value);
var hoa = parseFloat(document.getElementById('hoaFees').value);
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value);
var repairsRate = parseFloat(document.getElementById('repairsMaintenance').value);
var capexRate = parseFloat(document.getElementById('capex').value);
var managementRate = parseFloat(document.getElementById('managementFee').value);
// Validation
var errorMsg = document.getElementById('error-message');
var resultsDiv = document.getElementById('calculation-results');
if (isNaN(rent) || isNaN(mortgage)) {
errorMsg.style.display = 'block';
resultsDiv.style.display = 'none';
return;
}
// Default empty optional fields to 0
if (isNaN(otherIncome)) otherIncome = 0;
if (isNaN(tax)) tax = 0;
if (isNaN(insurance)) insurance = 0;
if (isNaN(hoa)) hoa = 0;
if (isNaN(vacancyRate)) vacancyRate = 0;
if (isNaN(repairsRate)) repairsRate = 0;
if (isNaN(capexRate)) capexRate = 0;
if (isNaN(managementRate)) managementRate = 0;
errorMsg.style.display = 'none';
// Calculations
var grossIncome = rent + otherIncome;
// Percentage based deductions are usually based on Gross Rent (Standard practice)
// Some investors calculate off Gross Income, here we use Rent for conservative estimates
var vacancyLoss = rent * (vacancyRate / 100);
var repairsCost = rent * (repairsRate / 100);
var capexCost = rent * (capexRate / 100);
var managementCost = rent * (managementRate / 100);
var effectiveIncome = grossIncome – vacancyLoss;
var totalFixedExpenses = mortgage + tax + insurance + hoa;
var totalVariableExpenses = repairsCost + capexCost + managementCost;
var totalExpenses = totalFixedExpenses + totalVariableExpenses;
var cashFlow = effectiveIncome – totalExpenses;
var annualCashFlow = cashFlow * 12;
// Display Results
document.getElementById('res-gross-income').innerText = "$" + grossIncome.toFixed(2);
document.getElementById('res-vacancy').innerText = "-$" + vacancyLoss.toFixed(2);
document.getElementById('res-effective-income').innerText = "$" + effectiveIncome.toFixed(2);
document.getElementById('res-total-expenses').innerText = "-$" + totalExpenses.toFixed(2);
var cfElement = document.getElementById('res-cash-flow');
cfElement.innerText = "$" + cashFlow.toFixed(2);
// Color coding for cash flow
if (cashFlow > 0) {
cfElement.style.color = "#27ae60"; // Green
} else if (cashFlow < 0) {
cfElement.style.color = "#c0392b"; // Red
} else {
cfElement.style.color = "#2c3e50"; // Dark Blue/Black
}
document.getElementById('res-annual-cash-flow').innerText = "Annual Cash Flow: $" + annualCashFlow.toFixed(2);
resultsDiv.style.display = 'block';
}
Rental Property Cash Flow Calculator
Determine the monthly profitability of your real estate investment.
Income Sources
Fixed Expenses
Variable Expenses & Reserves
Please enter valid positive numbers for Rent and Mortgage.
Gross Monthly Income:
$0.00
Vacancy Loss:
-$0.00
Effective Gross Income:
$0.00
Total Monthly Expenses:
-$0.00
Net Monthly Cash Flow:
$0.00
Annual Cash Flow: $0.00
Understanding Your Rental Property Cash Flow
Cash flow is the lifeblood of any rental property investment. It represents the net amount of money moving in or out of your business after all expenses have been paid. A positive cash flow indicates that your property is generating profit, while a negative cash flow means you are losing money every month.
Why This Calculator is Essential
Many new investors make the mistake of only calculating the mortgage payment against the rental income. This "back-of-the-napkin" math often ignores critical operating expenses such as vacancy reserves, repairs, and capital expenditures (CapEx). This calculator helps you account for:
- Vacancy Rate: Properties won't be occupied 100% of the time. Setting aside 5-10% ensures you can cover the mortgage during turnover periods.
- CapEx (Capital Expenditures): Big-ticket items like roofs, HVAC systems, and water heaters eventually break. Allocating a percentage of rent monthly prevents financial shock when these repairs arise.
- Management Fees: Even if you self-manage now, calculating this fee (usually 8-10%) helps analyze if the deal is good enough to support a property manager in the future.
What is a Good Cash Flow?
While "good" is subjective, many investors aim for $100 – $200 in net cash flow per door per month for single-family homes. However, cash flow should always be analyzed alongside other metrics like Cash-on-Cash Return and Cap Rate to get a full picture of the investment's performance.
How to Improve Cash Flow
If your calculation shows negative or low cash flow, consider:
- Increasing rent (if market conditions allow).
- Refinancing to a lower interest rate or longer loan term.
- Reducing operating expenses (e.g., shopping for cheaper insurance).
- Adding value-add amenities (laundry, covered parking) to justify higher rent.