.rental-calculator-container {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
padding: 20px;
background: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
}
.rental-calc-header {
text-align: center;
margin-bottom: 30px;
}
.rental-calc-header h2 {
margin: 0 0 10px 0;
color: #2c3e50;
}
.rental-calc-row {
display: flex;
flex-wrap: wrap;
margin: 0 -10px;
}
.rental-calc-col {
flex: 1;
min-width: 300px;
padding: 0 10px;
margin-bottom: 20px;
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 0.9em;
color: #555;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
}
.input-group input:focus {
border-color: #0073aa;
outline: none;
}
.calc-btn-container {
text-align: center;
margin-top: 10px;
margin-bottom: 30px;
}
.calc-btn {
background-color: #0073aa;
color: white;
border: none;
padding: 12px 30px;
font-size: 18px;
border-radius: 4px;
cursor: pointer;
transition: background-color 0.3s;
}
.calc-btn:hover {
background-color: #005177;
}
.results-box {
background: #fff;
padding: 20px;
border-radius: 6px;
box-shadow: 0 2px 5px rgba(0,0,0,0.05);
margin-top: 20px;
display: none;
}
.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 {
color: #555;
font-weight: 500;
}
.result-value {
font-weight: 700;
color: #2c3e50;
}
.cash-flow-positive {
color: #27ae60;
}
.cash-flow-negative {
color: #c0392b;
}
.seo-content {
margin-top: 40px;
line-height: 1.6;
color: #333;
}
.seo-content h3 {
color: #2c3e50;
margin-top: 25px;
}
.seo-content p {
margin-bottom: 15px;
}
.seo-content ul {
margin-bottom: 15px;
padding-left: 20px;
}
@media (max-width: 600px) {
.rental-calc-col {
min-width: 100%;
}
}
function calculateRentalCashFlow() {
// 1. Get Inputs
var price = parseFloat(document.getElementById('rc_price').value);
var downPercent = parseFloat(document.getElementById('rc_down_percent').value);
var rate = parseFloat(document.getElementById('rc_rate').value);
var termYears = parseFloat(document.getElementById('rc_term').value);
var rent = parseFloat(document.getElementById('rc_rent').value);
var annualTax = parseFloat(document.getElementById('rc_tax').value);
var annualIns = parseFloat(document.getElementById('rc_insurance').value);
var monthlyHOA = parseFloat(document.getElementById('rc_hoa').value);
var vacancyPercent = parseFloat(document.getElementById('rc_vacancy').value);
var maintenancePercent = parseFloat(document.getElementById('rc_maintenance').value);
// Validation to prevent NaN
if (isNaN(price) || isNaN(rent) || isNaN(rate) || isNaN(termYears)) {
alert("Please enter valid numbers for Price, Rent, Interest Rate, and Term.");
return;
}
// 2. Calculations
// Mortgage Calculation
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
var monthlyRate = (rate / 100) / 12;
var numPayments = termYears * 12;
var mortgagePayment = 0;
if (monthlyRate > 0) {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else {
mortgagePayment = loanAmount / numPayments;
}
// Monthly Expense Breakdown
var monthlyTax = annualTax / 12;
var monthlyIns = annualIns / 12;
var monthlyVacancyCost = rent * (vacancyPercent / 100);
var monthlyMaintenanceCost = rent * (maintenancePercent / 100);
var totalMonthlyExpenses = mortgagePayment + monthlyTax + monthlyIns + monthlyHOA + monthlyVacancyCost + monthlyMaintenanceCost;
// Cash Flow
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// NOI (Net Operating Income) = Income – Operating Expenses (Excluding Debt Service)
var operatingExpensesMonthly = monthlyTax + monthlyIns + monthlyHOA + monthlyVacancyCost + monthlyMaintenanceCost;
var annualNOI = (rent – operatingExpensesMonthly) * 12;
// Cash on Cash Return = Annual Cash Flow / Total Cash Invested (assuming Closing Costs are roughly included or just using downpayment for simplicity in this specific calc)
var cashInvested = downPaymentAmount; // Can add closing costs variable if needed, sticking to prompt simplicity
var cocReturn = 0;
if (cashInvested > 0) {
cocReturn = (annualCashFlow / cashInvested) * 100;
}
// 3. Update UI
document.getElementById('res_mortgage').innerText = formatCurrency(mortgagePayment);
document.getElementById('res_expenses').innerText = formatCurrency(totalMonthlyExpenses);
var cashFlowElem = document.getElementById('res_cashflow');
cashFlowElem.innerText = formatCurrency(monthlyCashFlow);
// Style result based on positivity
if (monthlyCashFlow >= 0) {
cashFlowElem.className = 'result-value cash-flow-positive';
} else {
cashFlowElem.className = 'result-value cash-flow-negative';
}
document.getElementById('res_noi').innerText = formatCurrency(annualNOI);
document.getElementById('res_coc').innerText = cocReturn.toFixed(2) + '%';
// Show results container
document.getElementById('rc_results').style.display = 'block';
}
function formatCurrency(num) {
return '$' + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
Rental Property Cash Flow Calculator
Analyze your real estate investment performance instantly.
Purchase & Loan Details
Income & Recurring Expenses
Monthly Financial Overview
Principal & Interest (Mortgage)
$0.00
Total Monthly Expenses (Inc. Reserves)
$0.00
Net Monthly Cash Flow
$0.00
Annual Returns
Net Operating Income (NOI)
$0.00
Cash on Cash Return (CoC)
0.00%
How to Calculate Rental Property Cash Flow
Understanding the liquidity of your real estate investment is crucial for long-term success. Rental property cash flow is the net amount of money moving into or out of a property after all expenses and debt service are paid. A positive cash flow indicates that the property is generating income, while negative cash flow means the property costs you money to hold.
Key Metrics Explained
- Net Operating Income (NOI): This is your annual revenue minus necessary operating expenses (excluding mortgage payments). It measures the raw profitability of the property as an asset.
- Cash on Cash Return (CoC): This metric compares your annual pre-tax cash flow to the total cash invested (down payment). It gives you a percentage return on your actual cash deployed, making it easy to compare against stocks or other investments.
- Vacancy & Maintenance Reserves: Experienced investors always budget for the unexpected. Deducting a percentage for vacancies (months without a tenant) and maintenance ensures your cash flow calculation reflects reality.
Using This Calculator
This tool is designed specifically for buy-and-hold real estate investors. By inputting your purchase details, financing terms, and projected operating costs, you can instantly determine if a deal makes financial sense. Adjust the "Down Payment" and "Offer Price" to see how different deal structures affect your bottom line ROI.