.rental-calc-container {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif;
max-width: 800px;
margin: 20px auto;
padding: 30px;
background-color: #f9fafb;
border-radius: 12px;
box-shadow: 0 4px 20px rgba(0,0,0,0.08);
color: #333;
}
.rental-calc-container h2 {
color: #1a365d;
margin-top: 0;
text-align: center;
font-size: 28px;
}
.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 {
display: flex;
flex-direction: column;
}
.input-group label {
font-weight: 600;
margin-bottom: 8px;
font-size: 14px;
color: #4a5568;
}
.input-group input {
padding: 12px;
border: 1px solid #cbd5e0;
border-radius: 6px;
font-size: 16px;
}
.calc-btn {
width: 100%;
background-color: #2b6cb0;
color: white;
padding: 15px;
border: none;
border-radius: 6px;
font-size: 18px;
font-weight: bold;
cursor: pointer;
transition: background-color 0.2s;
}
.calc-btn:hover {
background-color: #2c5282;
}
.results-box {
margin-top: 30px;
padding: 20px;
background-color: #ebf8ff;
border-radius: 8px;
border: 1px solid #bee3f8;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px solid #cbd5e0;
}
.result-row:last-child {
border-bottom: none;
margin-bottom: 0;
padding-bottom: 0;
}
.result-label {
font-weight: 600;
color: #2d3748;
}
.result-value {
font-weight: bold;
color: #2b6cb0;
font-size: 18px;
}
.rental-article {
margin-top: 40px;
line-height: 1.6;
color: #4a5568;
}
.rental-article h3 {
color: #1a365d;
margin-top: 25px;
}
Rental Property Income Calculator
Property Purchase Price ($)
Expected Monthly Rent ($)
Vacancy Rate (%)
Management Fee (%)
Annual Property Taxes ($)
Annual Insurance ($)
Annual Maintenance/Repairs ($)
Other Annual Costs ($)
Calculate Financial Performance
Gross Annual Income:
—
Total Annual Expenses:
—
Net Operating Income (NOI):
—
Monthly Cash Flow (Pre-Mortgage):
—
Capitalization Rate (Cap Rate):
—
How to Calculate Rental Property Income
Investing in real estate requires a clinical look at the numbers. Unlike personal residences, a rental property is a business asset. To determine if a property is a "good deal," you must look beyond the monthly rent check and account for the inevitable costs of ownership.
Net Operating Income (NOI) is the most critical metric. It represents the total income generated by the property after all operating expenses are paid, but before any debt service (mortgage payments) or taxes on the owner's personal income are considered.
Key Factors in Your Rental Calculation
Vacancy Rate: Even in hot markets, properties sit empty between tenants. A standard conservative estimate is 5% to 8% (roughly one month per year).Operating Expenses: These include non-negotiables like property taxes and insurance, as well as variable costs like repairs and property management fees.Cap Rate: This is the ratio of Net Operating Income to the property purchase price. It allows you to compare different real estate investments regardless of how they are financed.
Example Calculation
Suppose you purchase a duplex for $400,000 . You rent each unit for $1,500, totaling $3,000/month .
Gross Annual Potential: $36,000
Minus 5% Vacancy ($1,800): $34,200 Effective Gross Income
Annual Expenses (Taxes, Insurance, Repairs): $10,000
NOI: $24,200Cap Rate: 6.05% ($24,200 / $400,000)
By using this calculator, you can stress-test your investment assumptions and ensure you are buying a cash-flowing asset rather than a liability.
function calculateRentalYield() {
var propValue = parseFloat(document.getElementById("propValue").value) || 0;
var monthlyRent = parseFloat(document.getElementById("monthlyRent").value) || 0;
var vacancyRate = parseFloat(document.getElementById("vacancyRate").value) || 0;
var mgmtFee = parseFloat(document.getElementById("mgmtFee").value) || 0;
var annualTaxes = parseFloat(document.getElementById("annualTaxes").value) || 0;
var annualInsurance = parseFloat(document.getElementById("annualInsurance").value) || 0;
var annualMaint = parseFloat(document.getElementById("annualMaint").value) || 0;
var otherCosts = parseFloat(document.getElementById("otherCosts").value) || 0;
if (monthlyRent 0) {
capRate = (netOperatingIncome / propValue) * 100;
}
// Display Results
document.getElementById("rentalResults").style.display = "block";
document.getElementById("grossIncome").innerHTML = "$" + effectiveGrossIncome.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("totalExpenses").innerHTML = "$" + totalAnnualExpenses.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("netIncome").innerHTML = "$" + netOperatingIncome.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("monthlyCashFlow").innerHTML = "$" + monthlyCash.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("capRate").innerHTML = capRate.toFixed(2) + "%";
// Smooth scroll to results
document.getElementById("rentalResults").scrollIntoView({ behavior: 'smooth', block: 'nearest' });
}