.rp-calculator-wrapper {
font-family: inherit;
max-width: 800px;
margin: 0 auto;
color: #333;
line-height: 1.6;
}
.rp-calc-box {
background: #f9f9f9;
border: 1px solid #ddd;
border-radius: 8px;
padding: 25px;
margin-bottom: 30px;
box-shadow: 0 2px 5px rgba(0,0,0,0.05);
}
.rp-calc-title {
text-align: center;
margin-bottom: 25px;
color: #2c3e50;
font-size: 24px;
font-weight: 700;
}
.rp-grid-row {
display: flex;
flex-wrap: wrap;
margin: 0 -10px;
}
.rp-col {
flex: 1;
min-width: 250px;
padding: 0 10px;
margin-bottom: 15px;
}
.rp-input-group {
margin-bottom: 15px;
}
.rp-input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 14px;
color: #555;
}
.rp-input-group input, .rp-input-group select {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rp-input-group input:focus {
border-color: #3498db;
outline: none;
}
.rp-section-header {
width: 100%;
padding: 0 10px;
margin-bottom: 15px;
border-bottom: 1px solid #eee;
padding-bottom: 5px;
color: #2980b9;
font-weight: bold;
font-size: 18px;
}
.rp-btn-container {
text-align: center;
margin-top: 10px;
width: 100%;
}
.rp-calc-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 12px 30px;
font-size: 18px;
font-weight: bold;
border-radius: 5px;
cursor: pointer;
transition: background 0.3s;
}
.rp-calc-btn:hover {
background-color: #219150;
}
.rp-results {
margin-top: 25px;
background: #fff;
border: 1px solid #e0e0e0;
border-radius: 6px;
padding: 20px;
display: none;
}
.rp-result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.rp-result-row:last-child {
border-bottom: none;
}
.rp-result-label {
font-weight: 600;
color: #555;
}
.rp-result-value {
font-weight: 700;
color: #2c3e50;
}
.rp-highlight {
color: #27ae60;
font-size: 1.1em;
}
.rp-negative {
color: #c0392b;
}
.rp-article-content {
margin-top: 40px;
}
.rp-article-content h2 {
color: #2c3e50;
font-size: 22px;
margin-top: 30px;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
}
.rp-article-content h3 {
color: #34495e;
font-size: 18px;
margin-top: 20px;
}
.rp-article-content p {
margin-bottom: 15px;
}
.rp-article-content ul {
margin-bottom: 15px;
padding-left: 20px;
}
.rp-article-content li {
margin-bottom: 8px;
}
@media (max-width: 600px) {
.rp-grid-row {
flex-direction: column;
}
.rp-col {
padding: 0;
}
}
function calculateRental() {
// Get Inputs
var price = parseFloat(document.getElementById('rp_price').value) || 0;
var downPercent = parseFloat(document.getElementById('rp_down_percent').value) || 0;
var closingCosts = parseFloat(document.getElementById('rp_closing_costs').value) || 0;
var interestRate = parseFloat(document.getElementById('rp_interest').value) || 0;
var termYears = parseFloat(document.getElementById('rp_term').value) || 0;
var monthlyRent = parseFloat(document.getElementById('rp_rent').value) || 0;
var monthlyHoa = parseFloat(document.getElementById('rp_hoa').value) || 0;
var annualTax = parseFloat(document.getElementById('rp_tax').value) || 0;
var annualInsurance = parseFloat(document.getElementById('rp_insurance').value) || 0;
var vacancyRate = parseFloat(document.getElementById('rp_vacancy').value) || 0;
var repairRate = parseFloat(document.getElementById('rp_repairs').value) || 0;
var mgmtRate = parseFloat(document.getElementById('rp_management').value) || 0;
// Calculations
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var totalCashInvested = downPayment + closingCosts;
// Mortgage Calculation
var monthlyMortgage = 0;
if (loanAmount > 0) {
if (interestRate > 0) {
var monthlyRate = (interestRate / 100) / 12;
var numPayments = termYears * 12;
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else {
monthlyMortgage = loanAmount / (termYears * 12);
}
}
// Monthly Expense Calculations
var monthlyTax = annualTax / 12;
var monthlyInsurance = annualInsurance / 12;
var monthlyVacancy = monthlyRent * (vacancyRate / 100);
var monthlyRepairs = monthlyRent * (repairRate / 100);
var monthlyMgmt = monthlyRent * (mgmtRate / 100);
var operatingExpenses = monthlyTax + monthlyInsurance + monthlyHoa + monthlyVacancy + monthlyRepairs + monthlyMgmt;
var totalMonthlyExpenses = operatingExpenses + monthlyMortgage;
// Income Metrics
var monthlyNOI = monthlyRent – operatingExpenses;
var monthlyCashFlow = monthlyRent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
var annualNOI = monthlyNOI * 12;
// Return Metrics
var cocReturn = 0;
if (totalCashInvested > 0) {
cocReturn = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// Formatting
var fmtMoney = new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' });
var fmtPercent = new Intl.NumberFormat('en-US', { style: 'decimal', minimumFractionDigits: 2, maximumFractionDigits: 2 });
// Display Results
document.getElementById('res_mortgage').innerHTML = fmtMoney.format(monthlyMortgage);
document.getElementById('res_expenses').innerHTML = fmtMoney.format(totalMonthlyExpenses);
document.getElementById('res_noi').innerHTML = fmtMoney.format(monthlyNOI);
var cfElement = document.getElementById('res_cashflow');
cfElement.innerHTML = fmtMoney.format(monthlyCashFlow);
if(monthlyCashFlow < 0) {
cfElement.classList.add('rp-negative');
cfElement.classList.remove('rp-highlight');
} else {
cfElement.classList.remove('rp-negative');
cfElement.classList.add('rp-highlight');
}
document.getElementById('res_coc').innerHTML = fmtPercent.format(cocReturn) + "%";
document.getElementById('res_cap').innerHTML = fmtPercent.format(capRate) + "%";
// Show results section
document.getElementById('rp_results_area').style.display = "block";
}
Rental Property Cash Flow Calculator
Purchase Information
Income & Expenses
Monthly Mortgage (P&I):
$0.00
Total Monthly Expenses:
$0.00
Net Operating Income (Monthly):
$0.00
Monthly Cash Flow:
$0.00
Cash on Cash Return (CoC):
0.00%
Cap Rate:
0.00%
Understanding Rental Property Cash Flow
Investing in real estate is a powerful way to build wealth, but not all properties are good investments. The most critical metric for any buy-and-hold investor is Cash Flow. This calculator helps you analyze a potential rental property by breaking down income, operating expenses, and debt service to determine if the deal makes financial sense.
What is Cash Flow?
Cash flow is the net amount of money moving into and out of a business. In real estate, positive cash flow means the rental income exceeds all expenses, including the mortgage. Negative cash flow means you are losing money every month to hold the property.
The formula for Monthly Cash Flow is simple:
- Gross Income (Rent) – Total Expenses (Mortgage, Taxes, Insurance, Maintenance, etc.) = Cash Flow
Key Metrics in This Calculator
Beyond simple cash flow, professional investors look at several other KPIs (Key Performance Indicators) to compare different investment opportunities.
Cash on Cash Return (CoC)
This metric measures the annual return on the actual cash you invested, rather than the total purchase price. It is calculated as:
(Annual Cash Flow / Total Cash Invested) × 100
For example, if you invest $50,000 (down payment + closing costs) and the property generates $5,000 in positive cash flow per year, your Cash on Cash return is 10%.
Cap Rate (Capitalization Rate)
Cap Rate measures the natural rate of return on the property assuming it was bought entirely with cash (no mortgage). It helps compare the profitability of properties regardless of how they are financed. It is calculated as:
(Net Operating Income / Purchase Price) × 100
Note: Net Operating Income (NOI) includes operating expenses like taxes and maintenance but excludes mortgage payments.
How to Estimate Expenses
One of the biggest mistakes new investors make is underestimating expenses. When using this calculator, ensure you account for:
- Vacancy: Properties won't be occupied 365 days a year. A 5-8% vacancy rate is a standard conservative estimate.
- Repairs & CapEx: Even if the house is new, you should set aside 5-10% of rent for future repairs (roof, HVAC, water heater).
- Management Fees: Even if you self-manage, it's wise to budget 8-10% for property management to ensure the deal still works if you decide to hire a professional later.