.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: 14px; }
.rpc-input-group input { width: 100%; padding: 10px; border: 1px solid #ccc; border-radius: 4px; box-sizing: border-box; font-size: 16px; }
.rpc-input-group input:focus { border-color: #3498db; outline: none; }
.rpc-section-title { grid-column: 1 / -1; font-size: 18px; font-weight: bold; color: #2c3e50; border-bottom: 2px solid #3498db; padding-bottom: 5px; margin-top: 10px; margin-bottom: 15px; }
.rpc-btn-container { grid-column: 1 / -1; text-align: center; margin-top: 20px; }
.rpc-btn { background-color: #27ae60; color: white; border: none; padding: 15px 30px; font-size: 18px; font-weight: bold; border-radius: 5px; cursor: pointer; transition: background 0.3s; width: 100%; max-width: 300px; }
.rpc-btn:hover { background-color: #219150; }
.rpc-results { grid-column: 1 / -1; background: #fff; padding: 20px; border-radius: 5px; border: 1px solid #ddd; margin-top: 20px; display: none; }
.rpc-result-row { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid #eee; }
.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: 1.2em; }
.rpc-highlight-neg { color: #e74c3c; font-size: 1.2em; }
.rpc-article { margin-top: 40px; line-height: 1.6; color: #333; }
.rpc-article h3 { color: #2c3e50; margin-top: 25px; }
.rpc-article ul { margin-bottom: 20px; }
.rpc-article li { margin-bottom: 8px; }
function calculateRentalCashFlow() {
// Get inputs
var price = parseFloat(document.getElementById('purchasePrice').value);
var down = parseFloat(document.getElementById('downPayment').value);
var rate = parseFloat(document.getElementById('interestRate').value);
var years = parseFloat(document.getElementById('loanTerm').value);
var closing = parseFloat(document.getElementById('closingCosts').value);
var rent = parseFloat(document.getElementById('rentalIncome').value);
var tax = parseFloat(document.getElementById('propertyTax').value);
var ins = parseFloat(document.getElementById('insurance').value);
var maint = parseFloat(document.getElementById('maintenance').value);
var other = parseFloat(document.getElementById('otherExpenses').value);
// Validation
if (isNaN(price) || isNaN(down) || isNaN(rent)) {
alert("Please fill in at least the Purchase Price, Down Payment, and Rental Income fields.");
return;
}
// Set defaults for empty optional fields
if (isNaN(rate)) rate = 0;
if (isNaN(years)) years = 30;
if (isNaN(closing)) closing = 0;
if (isNaN(tax)) tax = 0;
if (isNaN(ins)) ins = 0;
if (isNaN(maint)) maint = 0;
if (isNaN(other)) other = 0;
// Mortgage Calculation
var principal = price – down;
var monthlyRate = rate / 100 / 12;
var numPayments = years * 12;
var mortgagePayment = 0;
if (rate > 0 && years > 0 && principal > 0) {
mortgagePayment = principal * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
}
// Expense Calculation
var operatingExpenses = tax + ins + maint + other;
var totalMonthlyExpenses = mortgagePayment + operatingExpenses;
// NOI Calculation (Income – Operating Expenses, excluding mortgage)
var monthlyNOI = rent – operatingExpenses;
var annualNOI = monthlyNOI * 12;
// Cash Flow Calculation
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// Investment Metrics
var totalCashInvested = down + closing;
var cashOnCashROI = 0;
var capRate = 0;
if (totalCashInvested > 0) {
cashOnCashROI = (annualCashFlow / totalCashInvested) * 100;
}
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// Formatting Output
document.getElementById('resMortgage').innerText = "$" + mortgagePayment.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g, ",");
document.getElementById('resExpenses').innerText = "$" + totalMonthlyExpenses.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g, ",");
document.getElementById('resNOI').innerText = "$" + monthlyNOI.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g, ",");
var cfElement = document.getElementById('resCashFlow');
cfElement.innerText = "$" + monthlyCashFlow.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g, ",");
if (monthlyCashFlow >= 0) {
cfElement.className = "rpc-result-value rpc-highlight";
} else {
cfElement.className = "rpc-result-value rpc-highlight-neg";
}
document.getElementById('resROI').innerText = cashOnCashROI.toFixed(2) + "%";
document.getElementById('resCapRate').innerText = capRate.toFixed(2) + "%";
// Show Results
document.getElementById('rpcResult').style.display = "block";
}
Rental Property Cash Flow Calculator
Analyze the profitability of your real estate investment instantly.
Purchase Information
Income & Expenses (Monthly)
Investment Analysis
Monthly Mortgage Payment (P&I):
$0.00
Total Monthly Expenses:
$0.00
Net Operating Income (Monthly):
$0.00
Monthly Cash Flow:
$0.00
Cash on Cash ROI:
0.00%
Cap Rate:
0.00%
How to Analyze Rental Property Cash Flow
Investing in real estate is one of the most reliable ways to build wealth, but simply buying a property doesn't guarantee a profit. To succeed, you must understand the numbers behind the deal. This Rental Property Cash Flow Calculator helps you evaluate whether a specific property will put money in your pocket or take it out.
Key Metrics Explained
Before you invest, familiarize yourself with these critical financial indicators calculated by our tool:
- Monthly Cash Flow: This is your profit after all expenses are paid. It is calculated as Rental Income – (Mortgage + Taxes + Insurance + Operating Expenses). Positive cash flow means the property pays for itself and generates income.
- Cash on Cash ROI: This measures the return on the actual cash you invested (Down Payment + Closing Costs). It is a better measure of efficiency than simple ROI because it accounts for leverage (the loan). A target of 8-12% is common for many investors.
- Cap Rate (Capitalization Rate): This indicates the rate of return on a real estate investment property based on the income that the property is expected to generate. It is calculated by dividing Net Operating Income (NOI) by the property asset value. It helps compare properties regardless of financing methods.
- Net Operating Income (NOI): This is your income minus operating expenses, but before the mortgage payment. Lenders look at this number to determine if the property generates enough income to cover the debt.
Estimating Expenses
One of the biggest mistakes new investors make is underestimating expenses. When using this calculator, ensure you account for:
- Vacancy: Properties aren't rented 365 days a year. A common rule of thumb is to set aside 5-10% of monthly rent for vacancy.
- Maintenance & CapEx: Even if the house is new, things break. Set aside 10-15% of rent for repairs and major capital expenditures (like a new roof or HVAC).
- Property Management: If you don't plan to be a landlord yourself, expect to pay a property manager 8-12% of the monthly rent.
Conclusion
Use this calculator as a first step in your due diligence. If the numbers work here, verify your estimates with local property managers and contractors before making an offer.