.rpc-header {
text-align: center;
margin-bottom: 30px;
}
.rpc-header h2 {
color: #2c3e50;
margin-bottom: 10px;
}
.rpc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.rpc-grid {
grid-template-columns: 1fr;
}
}
.rpc-input-group {
margin-bottom: 15px;
}
.rpc-input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #555;
font-size: 0.9em;
}
.rpc-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rpc-input-group input:focus {
border-color: #3498db;
outline: none;
}
.rpc-btn-container {
text-align: center;
margin-top: 20px;
margin-bottom: 30px;
}
.rpc-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 12px 30px;
font-size: 18px;
border-radius: 5px;
cursor: pointer;
transition: background-color 0.3s;
}
.rpc-btn:hover {
background-color: #219150;
}
.rpc-results {
background-color: #fff;
padding: 25px;
border-radius: 6px;
box-shadow: 0 2px 5px rgba(0,0,0,0.05);
display: none; /* Hidden by default */
}
.rpc-results h3 {
margin-top: 0;
color: #2c3e50;
border-bottom: 2px solid #ecf0f1;
padding-bottom: 10px;
}
.rpc-result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #f0f0f0;
}
.rpc-result-row:last-child {
border-bottom: none;
}
.rpc-highlight {
font-weight: bold;
font-size: 1.1em;
}
.rpc-positive {
color: #27ae60;
}
.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 calculateDownPaymentAmount() {
var price = parseFloat(document.getElementById('rpcPurchasePrice').value);
var percent = parseFloat(document.getElementById('rpcDownPaymentPercent').value);
if(!isNaN(price) && !isNaN(percent)) {
var amount = price * (percent / 100);
document.getElementById('rpcDownPaymentAmount').value = amount;
}
}
function calculateRentalROI() {
// Get Input Values
var purchasePrice = parseFloat(document.getElementById('rpcPurchasePrice').value);
var downPaymentPercent = parseFloat(document.getElementById('rpcDownPaymentPercent').value);
var interestRate = parseFloat(document.getElementById('rpcInterestRate').value);
var loanTerm = parseFloat(document.getElementById('rpcLoanTerm').value);
var monthlyRent = parseFloat(document.getElementById('rpcMonthlyRent').value);
var annualTaxes = parseFloat(document.getElementById('rpcAnnualTaxes').value);
var annualInsurance = parseFloat(document.getElementById('rpcAnnualInsurance').value);
var monthlyMaintenance = parseFloat(document.getElementById('rpcMonthlyMaintenance').value);
// Validation
if (isNaN(purchasePrice) || isNaN(monthlyRent) || isNaN(interestRate) || isNaN(loanTerm)) {
alert("Please fill in all required fields (Price, Rent, Rate, Term).");
return;
}
// Handle optional fields with defaults
if (isNaN(downPaymentPercent)) downPaymentPercent = 20;
if (isNaN(annualTaxes)) annualTaxes = 0;
if (isNaN(annualInsurance)) annualInsurance = 0;
if (isNaN(monthlyMaintenance)) monthlyMaintenance = 0;
// Calculations
var downPaymentAmount = purchasePrice * (downPaymentPercent / 100);
var loanAmount = purchasePrice – downPaymentAmount;
// Mortgage Calculation (Principal & Interest)
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = loanTerm * 12;
var monthlyMortgage = 0;
if (interestRate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else {
monthlyMortgage = loanAmount / numberOfPayments;
}
// Expense Calculations
var monthlyTax = annualTaxes / 12;
var monthlyInsurance = annualInsurance / 12;
var totalOperatingExpensesMonthly = monthlyTax + monthlyInsurance + monthlyMaintenance;
var totalExpensesMonthly = monthlyMortgage + totalOperatingExpensesMonthly;
// Income Metrics
var monthlyCashFlow = monthlyRent – totalExpensesMonthly;
var annualCashFlow = monthlyCashFlow * 12;
// Net Operating Income (NOI) = Income – Operating Expenses (Excluding Debt Service)
var monthlyNOI = monthlyRent – totalOperatingExpensesMonthly;
var annualNOI = monthlyNOI * 12;
// ROI Metrics
var capRate = (annualNOI / purchasePrice) * 100;
// Cash on Cash Return = Annual Cash Flow / Total Cash Invested
// Assuming Total Cash Invested = Down Payment (simplification for calculator)
var cashInvested = downPaymentAmount;
// Avoid division by zero
var cashOnCash = 0;
if (cashInvested > 0) {
cashOnCash = (annualCashFlow / cashInvested) * 100;
}
// Display Results
document.getElementById('rpcResults').style.display = 'block';
// Formatting Helper
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
});
document.getElementById('rpcResultMortgage').innerText = formatter.format(monthlyMortgage);
document.getElementById('rpcResultExpenses').innerText = formatter.format(totalExpensesMonthly);
document.getElementById('rpcResultNOI').innerText = formatter.format(monthlyNOI);
var cashFlowEl = document.getElementById('rpcResultCashFlow');
cashFlowEl.innerText = formatter.format(monthlyCashFlow);
cashFlowEl.className = monthlyCashFlow >= 0 ? 'rpc-highlight rpc-positive' : 'rpc-highlight rpc-negative';
document.getElementById('rpcResultCapRate').innerText = capRate.toFixed(2) + "%";
var cocEl = document.getElementById('rpcResultCoC');
cocEl.innerText = cashOnCash.toFixed(2) + "%";
cocEl.className = cashOnCash >= 0 ? 'rpc-highlight rpc-positive' : 'rpc-highlight rpc-negative';
}
Rental Property Cash Flow Calculator
Calculate your Monthly Cash Flow, Cap Rate, and Cash-on-Cash Return instantly.
Investment Analysis
Monthly Principal & Interest:
$0.00
Total Monthly Expenses:
$0.00
Monthly Net Operating Income (NOI):
$0.00
Monthly Cash Flow:
$0.00
Cap Rate:
0.00%
Cash on Cash Return (CoC):
0.00%
Understanding Rental Property Cash Flow
Investing in real estate is one of the most reliable ways to build wealth, but it requires precise calculation. The Rental Property Cash Flow Calculator is designed to help investors evaluate the profitability of a potential purchase. Unlike simple mortgage calculators, this tool accounts for operating expenses, vacancy, and financing costs to reveal the true return on investment.
What is Cash Flow?
Cash flow is the net amount of money moving in and out of a business or investment. In real estate, Positive Cash Flow occurs when your monthly rental income exceeds all your monthly expenses (mortgage, taxes, insurance, and maintenance). This "profit" is money you can pocket or reinvest.
Conversely, Negative Cash Flow means the property costs more to operate than it generates in rent. While some investors accept negative cash flow in anticipation of property appreciation, sustainable investing usually relies on positive cash flow.
Key Metrics Explained
- NOI (Net Operating Income): This is your annual income minus operating expenses, excluding mortgage payments. It measures the profitability of the property itself, regardless of how it is financed.
- Cap Rate (Capitalization Rate): Calculated as
NOI / Purchase Price, the Cap Rate helps you compare the return of different properties as if you paid cash. A higher Cap Rate generally indicates a higher return but may come with higher risk. - Cash on Cash Return (CoC): This is the most critical metric for investors using leverage. It measures the annual cash flow relative to the actual cash you invested (down payment). It answers the question: "What is the yield on my cash?"
Example Calculation
Imagine you purchase a property for $200,000 with a 20% down payment ($40,000). Your loan is $160,000 at 5% interest.
- Monthly Income: $2,000 Rent.
- Monthly Expenses: $860 Mortgage + $300 Taxes/Ins + $200 Maintenance = $1,360.
- Monthly Cash Flow: $2,000 – $1,360 = $640.
- Annual Cash Flow: $7,680.
- Cash on Cash Return: $7,680 / $40,000 = 19.2%.
Using this calculator allows you to tweak variables—like interest rate or rent amount—to see how sensitive your investment is to market changes.