.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 6px rgba(0,0,0,0.1);
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
margin-bottom: 25px;
}
@media (max-width: 600px) {
.calc-grid { grid-template-columns: 1fr; }
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #333;
font-size: 0.95em;
}
.input-group input, .input-group select {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #2c7a7b;
outline: none;
box-shadow: 0 0 0 2px rgba(44, 122, 123, 0.2);
}
.calc-btn {
background-color: #2c7a7b;
color: white;
padding: 15px 30px;
border: none;
border-radius: 4px;
cursor: pointer;
font-size: 18px;
font-weight: bold;
width: 100%;
transition: background-color 0.2s;
}
.calc-btn:hover {
background-color: #234e52;
}
.results-section {
background-color: #f7fafc;
padding: 20px;
border-radius: 6px;
margin-top: 25px;
border-left: 5px solid #2c7a7b;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #e2e8f0;
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.result-row:last-child {
border-bottom: none;
}
.result-label {
color: #4a5568;
font-weight: 500;
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.result-value {
font-weight: bold;
color: #2d3748;
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.highlight-result {
color: #2c7a7b;
font-size: 1.2em;
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.highlight-negative {
color: #e53e3e;
font-size: 1.2em;
}
.seo-content {
margin-top: 40px;
line-height: 1.6;
color: #2d3748;
}
.seo-content h2 {
color: #2c7a7b;
margin-top: 30px;
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.seo-content h3 {
color: #2d3748;
margin-top: 20px;
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.seo-content ul {
padding-left: 20px;
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.seo-content li {
margin-bottom: 10px;
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function calculateRentalCashFlow() {
// Get input values
var price = parseFloat(document.getElementById('purchasePrice').value) || 0;
var downPercent = parseFloat(document.getElementById('downPaymentPercent').value) || 0;
var rate = parseFloat(document.getElementById('interestRate').value) || 0;
var term = parseInt(document.getElementById('loanTerm').value) || 30;
var rent = parseFloat(document.getElementById('monthlyRent').value) || 0;
var tax = parseFloat(document.getElementById('propertyTax').value) || 0;
var ins = parseFloat(document.getElementById('insurance').value) || 0;
var maint = parseFloat(document.getElementById('maintenance').value) || 0;
var vacancy = parseFloat(document.getElementById('vacancyRate').value) || 0;
var mgmt = parseFloat(document.getElementById('managementFee').value) || 0;
// Calculations
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var monthlyRate = (rate / 100) / 12;
var numPayments = term * 12;
// Mortgage Calculation (Principal + Interest)
var monthlyMortgage = 0;
if (rate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else {
monthlyMortgage = loanAmount / numPayments;
}
// Monthly Expense Breakdown
var monthlyTax = tax / 12;
var monthlyIns = ins / 12;
var monthlyMaint = maint / 12;
var monthlyVacancy = rent * (vacancy / 100);
var monthlyMgmt = rent * (mgmt / 100);
var totalOperatingExpenses = monthlyTax + monthlyIns + monthlyMaint + monthlyVacancy + monthlyMgmt;
var totalOutflow = monthlyMortgage + totalOperatingExpenses;
var netMonthlyCashFlow = rent – totalOutflow;
// Annual Calculations for ROI metrics
var annualCashFlow = netMonthlyCashFlow * 12;
var annualNOI = (rent * 12) – (totalOperatingExpenses * 12); // NOI excludes mortgage
// Assume 3% closing costs for Cash on Cash calculation
var closingCosts = price * 0.03;
var totalCashInvested = downPayment + closingCosts;
var cashOnCash = 0;
if (totalCashInvested > 0) {
cashOnCash = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// Display Results
document.getElementById('resMortgage').innerText = '$' + monthlyMortgage.toFixed(2);
document.getElementById('resExpenses').innerText = '$' + totalOperatingExpenses.toFixed(2);
document.getElementById('resTotalOutflow').innerText = '$' + totalOutflow.toFixed(2);
var cashFlowEl = document.getElementById('resCashFlow');
cashFlowEl.innerText = (netMonthlyCashFlow >= 0 ? '+' : ") + '$' + netMonthlyCashFlow.toFixed(2);
if (netMonthlyCashFlow < 0) {
cashFlowEl.className = 'result-value highlight-negative';
} else {
cashFlowEl.className = 'result-value highlight-result';
}
document.getElementById('resNOI').innerText = '$' + annualNOI.toFixed(2);
document.getElementById('resCoC').innerText = cashOnCash.toFixed(2) + '%';
document.getElementById('resCapRate').innerText = capRate.toFixed(2) + '%';
// Show results div
document.getElementById('results').style.display = 'block';
}
Rental Property Cash Flow Calculator
Purchase Details
30 Years
15 Years
10 Years
Income & Expenses
Financial Analysis
Monthly Principal & Interest:
$0.00
Monthly Operating Expenses:
$0.00
Total Monthly Outflow:
$0.00
Net Monthly Cash Flow:
$0.00
Net Operating Income (Annual):
$0.00
Cash-on-Cash Return:
0.00%
Cap Rate:
0.00%
Understanding Rental Property Cash Flow
Analyzing cash flow is the fundamental step in real estate investing. It determines whether a rental property is an asset that puts money in your pocket or a liability that takes money out. This Rental Property Cash Flow Calculator helps investors evaluate the potential profitability of a real estate purchase by factoring in income, mortgage obligations, and variable operating expenses.
What is Positive Cash Flow?
Positive cash flow occurs when a property's gross annual income exceeds all operating expenses and debt service payments. For investors, this "net rental income" is passive income that can be reinvested or used for living expenses. Conversely, negative cash flow (often called being "alligator" on a property) means the owner must contribute personal funds monthly to keep the property afloat.
Key Metrics Explained
- NOI (Net Operating Income): This is the total income minus operating expenses (taxes, insurance, maintenance) but excluding mortgage payments. It is a pure measure of the property's efficiency.
- Cash-on-Cash Return: This metric measures the annual return on the actual cash invested (down payment + closing costs), rather than the total loan amount. It offers a realistic view of how hard your money is working.
- Cap Rate (Capitalization Rate): Calculated by dividing NOI by the property price. It helps compare the profitability of different properties regardless of how they are financed.
Common Expense Pitfalls
Many new investors overestimate cash flow by ignoring "phantom" expenses. Our calculator accounts for these critical variables:
- Vacancy Rate: Properties are rarely occupied 100% of the time. A standard 5-8% vacancy provision ensures you have reserves for turnover periods.
- CapEx (Capital Expenditures): Beyond routine maintenance, major items like roofs and HVAC systems eventually need replacement. Allocating a budget for these ensures long-term profitability.
- Management Fees: Even if you self-manage today, accounting for a 10% management fee ensures the deal still works if you decide to hire a property manager later.
How to Use This Calculator
Start by entering the purchase price and your financing terms. Be honest with your expense estimates—specifically taxes and insurance, which vary significantly by location. Adjust the monthly rent based on comparable properties in the neighborhood. Use the resulting Cash-on-Cash Return percentage to compare this investment opportunity against other asset classes like stocks or bonds.