.rcf-calculator-row {
display: flex;
flex-wrap: wrap;
margin-bottom: 15px;
justify-content: space-between;
}
.rcf-input-group {
flex: 1 1 45%;
margin-bottom: 10px;
min-width: 250px;
padding-right: 10px;
}
.rcf-input-group label {
display: block;
margin-bottom: 5px;
font-weight: bold;
color: #333;
}
.rcf-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
box-sizing: border-box;
}
.rcf-btn {
background-color: #0073aa;
color: white;
padding: 12px 20px;
border: none;
border-radius: 4px;
cursor: pointer;
font-size: 16px;
width: 100%;
transition: background 0.3s;
}
.rcf-btn:hover {
background-color: #005177;
}
.rcf-results {
margin-top: 25px;
padding: 20px;
background-color: #fff;
border: 1px solid #e5e5e5;
border-radius: 4px;
display: none;
}
.rcf-result-item {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 5px;
border-bottom: 1px solid #eee;
}
.rcf-result-item.final {
border-bottom: none;
font-size: 1.2em;
font-weight: bold;
color: #2c3e50;
margin-top: 15px;
padding-top: 10px;
border-top: 2px solid #ddd;
}
.rcf-positive { color: green; }
.rcf-negative { color: red; }
.rcf-section-title {
width: 100%;
font-size: 1.1em;
color: #555;
border-bottom: 2px solid #0073aa;
padding-bottom: 5px;
margin-bottom: 15px;
margin-top: 10px;
}
function calculateCashFlow() {
// Get Income
var rent = parseFloat(document.getElementById('monthlyRent').value);
var other = parseFloat(document.getElementById('otherIncome').value);
// Validation
if (isNaN(rent)) {
alert("Please enter a valid Monthly Rental Income.");
return;
}
if (isNaN(other)) other = 0;
var grossIncome = rent + other;
// Get Fixed Expenses
var mortgage = parseFloat(document.getElementById('mortgage').value);
var tax = parseFloat(document.getElementById('tax').value);
var insurance = parseFloat(document.getElementById('insurance').value);
var hoa = parseFloat(document.getElementById('hoa').value);
if (isNaN(mortgage)) mortgage = 0;
if (isNaN(tax)) tax = 0;
if (isNaN(insurance)) insurance = 0;
if (isNaN(hoa)) hoa = 0;
// Get Variable Rates
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value);
var repairsRate = parseFloat(document.getElementById('repairsRate').value);
var capexRate = parseFloat(document.getElementById('capexRate').value);
var managementRate = parseFloat(document.getElementById('managementRate').value);
if (isNaN(vacancyRate)) vacancyRate = 0;
if (isNaN(repairsRate)) repairsRate = 0;
if (isNaN(capexRate)) capexRate = 0;
if (isNaN(managementRate)) managementRate = 0;
// Calculate Variable Costs based on Rent
var vacancyCost = rent * (vacancyRate / 100);
var repairsCost = rent * (repairsRate / 100);
var capexCost = rent * (capexRate / 100);
var managementCost = rent * (managementRate / 100);
var totalVariableExpenses = vacancyCost + repairsCost + capexCost + managementCost;
var totalFixedExpensesWithoutDebt = tax + insurance + hoa;
var totalOperatingExpenses = totalVariableExpenses + totalFixedExpensesWithoutDebt;
var noi = grossIncome – totalOperatingExpenses;
var cashFlow = noi – mortgage;
var annualCashFlow = cashFlow * 12;
// Display Results
document.getElementById('resGrossIncome').innerHTML = "$" + grossIncome.toFixed(2);
document.getElementById('resOperatingExpenses').innerHTML = "$" + totalOperatingExpenses.toFixed(2);
document.getElementById('resNOI').innerHTML = "$" + noi.toFixed(2);
document.getElementById('resDebt').innerHTML = "$" + mortgage.toFixed(2);
var cfElement = document.getElementById('resCashFlow');
cfElement.innerHTML = "$" + cashFlow.toFixed(2);
if (cashFlow >= 0) {
cfElement.className = "rcf-positive";
} else {
cfElement.className = "rcf-negative";
}
var annualCfElement = document.getElementById('resAnnualCashFlow');
annualCfElement.innerHTML = "$" + annualCashFlow.toFixed(2);
if (annualCashFlow >= 0) {
annualCfElement.className = "rcf-positive";
} else {
annualCfElement.className = "rcf-negative";
}
document.getElementById('rcfResults').style.display = 'block';
}
Rental Property Cash Flow Calculator
Estimate the monthly profit of your real estate investment.
Income
Fixed Expenses
Variable Expenses (Estimates)
Calculation Results
Gross Monthly Income:
$0.00
Operating Expenses (Variable + Fixed):
$0.00
Net Operating Income (NOI):
$0.00
Total Monthly Debt Service:
$0.00
Monthly Cash Flow:
$0.00
Annual Cash Flow:
$0.00
Understanding Rental Property Cash Flow
Cash flow is the lifeblood of any rental property investment. It represents the amount of money left over at the end of every month after all operating expenses and debt service (mortgage payments) have been paid. A positive cash flow indicates a profitable investment, while a negative cash flow means the property is costing you money to hold.
How to Calculate Cash Flow
The formula for calculating rental property cash flow is straightforward, though it requires accurate data entry to be effective:
- Gross Income = Rent + Application Fees + Laundry/Parking Income
- Net Operating Income (NOI) = Gross Income – Operating Expenses (Taxes, Insurance, Repairs, Vacancy, Management)
- Cash Flow = NOI – Mortgage Payment
Key Expenses to Consider
Many new investors make the mistake of only subtracting the mortgage payment from the rent. To get a true picture of your cash flow, you must account for:
- Vacancy Rate: Properties will not be occupied 100% of the time. A standard industry average to budget for is 5% to 8%.
- CapEx (Capital Expenditures): Big-ticket items like roofs, HVAC systems, and water heaters eventually wear out. Budgeting 5-10% of rent monthly creates a reserve for these future costs.
- Property Management: Even if you self-manage now, allocating 8-10% for management ensures the deal still works if you decide to hire a professional later.
What is a Good Cash Flow?
A "good" cash flow varies by market and investor goals. However, a common rule of thumb for buy-and-hold investors is to aim for $100 to $200 per unit, per month in pure cash flow. Some investors prefer to look at Cash-on-Cash Return (annual cash flow divided by total cash invested) with a target of 8-12%.
Why Use a Calculator?
Using a Rental Property Cash Flow Calculator helps remove emotion from the buying decision. By inputting realistic numbers for repairs and vacancies, you can identify whether a property is a true asset or a liability before you sign the contract.