Rental Property Cash Flow Calculator
.calculator-wrapper {
max-width: 800px;
margin: 20px auto;
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
background: #fff;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 4px 12px rgba(0,0,0,0.05);
padding: 30px;
}
.calculator-header {
text-align: center;
margin-bottom: 25px;
border-bottom: 2px solid #0073aa;
padding-bottom: 15px;
}
.calculator-header h2 {
color: #333;
margin: 0;
font-size: 28px;
}
.calc-container {
display: flex;
flex-wrap: wrap;
gap: 30px;
}
.calc-inputs {
flex: 1;
min-width: 300px;
}
.calc-results {
flex: 1;
min-width: 300px;
background: #f9fbfd;
padding: 20px;
border-radius: 8px;
border: 1px solid #d1e7dd;
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #555;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box; /* Fix for padding increasing width */
}
.input-group input:focus {
border-color: #0073aa;
outline: none;
}
.btn-calc {
width: 100%;
padding: 12px;
background-color: #0073aa;
color: white;
border: none;
border-radius: 4px;
font-size: 18px;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
font-weight: bold;
}
.btn-calc:hover {
background-color: #005177;
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 12px;
padding-bottom: 8px;
border-bottom: 1px solid #eee;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
color: #666;
}
.result-value {
font-weight: bold;
color: #333;
}
.result-final {
margin-top: 20px;
background: #fff;
padding: 15px;
border-left: 5px solid #0073aa;
box-shadow: 0 2px 5px rgba(0,0,0,0.05);
}
.positive-cashflow {
color: #28a745;
}
.negative-cashflow {
color: #dc3545;
}
.article-content {
max-width: 800px;
margin: 40px auto;
line-height: 1.6;
color: #444;
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
}
.article-content h3 {
color: #0073aa;
border-bottom: 1px solid #eee;
padding-bottom: 10px;
margin-top: 30px;
}
.article-content p {
margin-bottom: 15px;
}
.article-content ul {
margin-bottom: 20px;
}
.article-content li {
margin-bottom: 8px;
}
@media (max-width: 600px) {
.calc-container {
flex-direction: column;
}
}
Analysis Results
Total Cash Invested (Down Payment):
–
Loan Amount:
–
Monthly Mortgage (P&I):
–
Total Monthly Costs:
–
Monthly Cash Flow:
–
Annual Cash Flow:
–
Cash on Cash ROI:
–
function calculateRentalROI() {
// 1. Get Values
var price = parseFloat(document.getElementById("purchasePrice").value);
var downPercent = parseFloat(document.getElementById("downPaymentPercent").value);
var rate = parseFloat(document.getElementById("interestRate").value);
var termYears = parseFloat(document.getElementById("loanTerm").value);
var rent = parseFloat(document.getElementById("monthlyRent").value);
var expenses = parseFloat(document.getElementById("monthlyOpEx").value);
// Validation
if (isNaN(price) || isNaN(downPercent) || isNaN(rate) || isNaN(termYears) || isNaN(rent) || isNaN(expenses)) {
alert("Please enter valid numbers in all fields.");
return;
}
// 2. Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
// Mortgage Calculation: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1 ]
var monthlyRate = (rate / 100) / 12;
var totalMonths = termYears * 12;
var monthlyMortgage = 0;
if (rate === 0) {
monthlyMortgage = loanAmount / totalMonths;
} else {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, totalMonths)) / (Math.pow(1 + monthlyRate, totalMonths) – 1);
}
var totalMonthlyCosts = monthlyMortgage + expenses;
var monthlyCashFlow = rent – totalMonthlyCosts;
var annualCashFlow = monthlyCashFlow * 12;
// Cash on Cash ROI = (Annual Cash Flow / Total Cash Invested) * 100
// Note: Total Cash Invested usually includes closing costs/rehab, but for this specific calc we stick to Down Payment for simplicity unless inputs added.
var cashOnCashROI = (annualCashFlow / downPaymentAmount) * 100;
// 3. Display Results
document.getElementById("displayDownPayment").innerHTML = "$" + downPaymentAmount.toLocaleString(undefined, {minimumFractionDigits: 0, maximumFractionDigits: 0});
document.getElementById("displayLoanAmount").innerHTML = "$" + loanAmount.toLocaleString(undefined, {minimumFractionDigits: 0, maximumFractionDigits: 0});
document.getElementById("displayMortgage").innerHTML = "$" + monthlyMortgage.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("displayTotalCosts").innerHTML = "$" + totalMonthlyCosts.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
var cfElement = document.getElementById("displayCashFlow");
cfElement.innerHTML = "$" + monthlyCashFlow.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
// Styling for positive/negative cashflow
if (monthlyCashFlow >= 0) {
cfElement.className = "result-value positive-cashflow";
} else {
cfElement.className = "result-value negative-cashflow";
}
document.getElementById("displayAnnualCashFlow").innerHTML = "$" + annualCashFlow.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("displayROI").innerHTML = cashOnCashROI.toFixed(2) + "%";
// Show Results Area
document.getElementById("resultsArea").style.display = "block";
}
Understanding Rental Property Analysis
Investing in real estate is one of the most reliable ways to build wealth, but not every property is a good deal. To ensure your investment is profitable, you must calculate the Cash Flow and the Cash-on-Cash Return on Investment (ROI).
This calculator helps investors quickly determine if a rental property will generate positive monthly income after all expenses are paid.
Key Metrics Explained
- Cash Flow: This is the money left over after you have collected rent and paid all expenses (mortgage, taxes, insurance, repairs). Positive cash flow means the property is paying you to own it.
- Cash-on-Cash ROI: This metric measures the annual return you make on the cash you actually invested (your down payment). It is calculated by dividing your annual pre-tax cash flow by your total cash invested.
- Operating Expenses (OpEx): These are the costs required to run the property. Common mistakes involve underestimating these. Be sure to include Property Management fees (usually 8-10%), vacancy reserves (5-10%), and maintenance savings.
Example Calculation
Let's say you are looking at a single-family home listed for $250,000.
- You put 20% down ($50,000).
- You obtain a 30-year loan at 6.5% interest.
- The loan amount is $200,000, resulting in a monthly Principal & Interest payment of roughly $1,264.
- You estimate Taxes, Insurance, and Repairs will cost another $600/month.
If you can rent this property for $2,200/month:
$2,200 (Rent) – $1,864 (Total Costs) = $336 Monthly Cash Flow.
Your annual cash flow is $4,032. Your Cash-on-Cash ROI is ($4,032 / $50,000) = 8.06%.
What is a "Good" ROI?
While every investor has different goals, a Cash-on-Cash return of 8% to 12% is generally considered a solid return for a long-term buy-and-hold rental property. In high-appreciation markets, investors might accept a lower cash flow (4-6%), while in stable markets, they may demand higher immediate returns (10%+).