.rpc-calculator-wrapper {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #fff;
padding: 20px;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0,0,0,0.05);
}
.rpc-calc-header {
text-align: center;
margin-bottom: 30px;
color: #2c3e50;
}
.rpc-form-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.rpc-form-grid {
grid-template-columns: 1fr;
}
}
.rpc-input-group {
margin-bottom: 15px;
}
.rpc-input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #34495e;
font-size: 0.95rem;
}
.rpc-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 1rem;
box-sizing: border-box;
transition: border-color 0.3s;
}
.rpc-input-group input:focus {
border-color: #3498db;
outline: none;
}
.rpc-section-title {
grid-column: 1 / -1;
font-size: 1.1rem;
color: #2980b9;
border-bottom: 2px solid #ecf0f1;
padding-bottom: 5px;
margin-top: 10px;
margin-bottom: 10px;
}
.rpc-btn {
grid-column: 1 / -1;
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 1.1rem;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
transition: background-color 0.3s;
margin-top: 10px;
}
.rpc-btn:hover {
background-color: #219150;
}
.rpc-results {
margin-top: 30px;
padding: 20px;
background-color: #f8f9fa;
border-radius: 6px;
border-left: 5px solid #2980b9;
display: none;
}
.rpc-result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #e9ecef;
}
.rpc-result-row:last-child {
border-bottom: none;
}
.rpc-result-label {
font-weight: 600;
color: #555;
}
.rpc-result-value {
font-weight: bold;
color: #2c3e50;
}
.rpc-highlight {
color: #27ae60;
font-size: 1.2rem;
}
.rpc-negative {
color: #c0392b;
}
.rpc-article {
margin-top: 50px;
line-height: 1.6;
color: #444;
}
.rpc-article h2 {
color: #2c3e50;
margin-top: 30px;
}
.rpc-article h3 {
color: #34495e;
margin-top: 20px;
}
.rpc-article ul {
padding-left: 20px;
}
.rpc-article li {
margin-bottom: 10px;
}
function rpcValidateInput(el) {
if (el.value 0 && interestRate > 0 && loanYears > 0) {
var r = (interestRate / 100) / 12;
var n = loanYears * 12;
monthlyMortgage = loanAmount * ( (r * Math.pow(1 + r, n)) / (Math.pow(1 + r, n) – 1) );
} else if (loanAmount > 0 && interestRate === 0) {
monthlyMortgage = loanAmount / (loanYears * 12);
}
// Expense Calculations
var monthlyTax = annualTax / 12;
var monthlyIns = annualIns / 12;
var totalMonthlyExpenses = monthlyMortgage + monthlyOps + monthlyTax + monthlyIns;
// Cash Flow
var monthlyCashFlow = monthlyRent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// Cash on Cash Return
var totalInitialInvestment = downPaymentAmount + closingCosts;
var cocReturn = 0;
if (totalInitialInvestment > 0) {
cocReturn = (annualCashFlow / totalInitialInvestment) * 100;
}
// Formatting Function
function formatMoney(num) {
return '$' + num.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
}
// Update UI
document.getElementById('resMortgage').innerHTML = formatMoney(monthlyMortgage);
document.getElementById('resTotalExpenses').innerHTML = formatMoney(totalMonthlyExpenses);
var cashFlowEl = document.getElementById('resCashFlow');
cashFlowEl.innerHTML = formatMoney(monthlyCashFlow);
if (monthlyCashFlow < 0) {
cashFlowEl.classList.add('rpc-negative');
cashFlowEl.classList.remove('rpc-highlight');
} else {
cashFlowEl.classList.remove('rpc-negative');
cashFlowEl.classList.add('rpc-highlight');
}
document.getElementById('resAnnualFlow').innerHTML = formatMoney(annualCashFlow);
document.getElementById('resCoC').innerHTML = cocReturn.toFixed(2) + '%';
// Show results
document.getElementById('rpcResults').style.display = 'block';
}
Rental Property Cash Flow Calculator
Purchase & Loan Details
Monthly Income & Expenses
Monthly Mortgage (P&I):
$0.00
Total Monthly Expenses:
$0.00
Net Monthly Cash Flow:
$0.00
Annual Cash Flow:
$0.00
Cash on Cash Return (CoC):
0.00%
Understanding Your Rental Property Cash Flow
Investing in rental properties is one of the most effective ways to build long-term wealth, but success hinges on the numbers. This Rental Property Cash Flow Calculator helps investors analyze potential deals by breaking down income, expenses, and financing costs to determine the true profitability of an asset.
Key Metrics Explained
- Net Monthly Cash Flow: This is the profit you pocket every month after all expenses (mortgage, taxes, insurance, repairs) are paid. Positive cash flow ensures the property pays for itself and generates income.
- Cash on Cash Return (CoC): This percentage measures the annual return on the actual cash you invested (Down Payment + Closing Costs). It is often considered a better metric than simple ROI for leveraged real estate investments because it accounts for financing.
- Operating Expenses: These are the day-to-day costs of running the property. Common mistakes involve underestimating costs like vacancy rates (typically 5-8%), maintenance (5-10%), and property management fees (8-10%).
How to Interpret the Results
A "good" cash flow depends on your strategy. Cash flow investors typically look for at least $100-$300 per door in net monthly profit. Meanwhile, a Cash on Cash return of 8-12% is generally considered solid in many markets, comparable to or beating the historical average of the stock market.
The 1% Rule
While this calculator provides a detailed analysis, many investors use the "1% Rule" for a quick screening. If the monthly rent is at least 1% of the purchase price (e.g., $2,000 rent for a $200,000 house), the property is likely to have positive cash flow. Use our calculator above to verify the specifics before making an offer.