.rpc-row {
display: flex;
flex-wrap: wrap;
margin: 0 -10px;
}
.rpc-col {
flex: 1;
min-width: 250px;
padding: 0 10px;
margin-bottom: 15px;
}
.rpc-label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #333;
font-size: 14px;
}
.rpc-input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 15px;
box-sizing: border-box;
transition: border-color 0.3s;
}
.rpc-input:focus {
border-color: #2c3e50;
outline: none;
}
.rpc-btn {
background-color: #27ae60;
color: white;
padding: 12px 20px;
border: none;
border-radius: 4px;
cursor: pointer;
width: 100%;
font-size: 16px;
font-weight: bold;
text-transform: uppercase;
letter-spacing: 0.5px;
margin-top: 10px;
}
.rpc-btn:hover {
background-color: #219150;
}
.rpc-results {
margin-top: 25px;
padding: 20px;
background-color: #f8f9fa;
border-left: 5px solid #27ae60;
border-radius: 4px;
display: none;
}
.rpc-result-item {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px solid #e9ecef;
}
.rpc-result-item:last-child {
border-bottom: none;
margin-bottom: 0;
padding-bottom: 0;
}
.rpc-result-label {
color: #555;
font-weight: 500;
}
.rpc-result-value {
font-weight: 700;
color: #2c3e50;
}
.rpc-positive {
color: #27ae60;
}
.rpc-negative {
color: #c0392b;
}
.rpc-header {
text-align: center;
margin-bottom: 25px;
color: #2c3e50;
}
.rpc-section-title {
font-size: 16px;
color: #2c3e50;
border-bottom: 2px solid #eee;
padding-bottom: 5px;
margin-bottom: 15px;
margin-top: 10px;
}
.rpc-article {
margin-top: 40px;
line-height: 1.6;
color: #444;
}
.rpc-article h2 {
font-size: 24px;
color: #2c3e50;
margin-top: 30px;
}
.rpc-article h3 {
font-size: 20px;
color: #2c3e50;
margin-top: 20px;
}
.rpc-article p {
margin-bottom: 15px;
}
.rpc-article ul {
margin-bottom: 15px;
padding-left: 20px;
}
.rpc-article li {
margin-bottom: 8px;
}
function calculateCashFlow() {
// Get inputs
var price = parseFloat(document.getElementById('rpcPurchasePrice').value) || 0;
var downPercent = parseFloat(document.getElementById('rpcDownPayment').value) || 0;
var intRate = parseFloat(document.getElementById('rpcInterestRate').value) || 0;
var termYears = parseFloat(document.getElementById('rpcLoanTerm').value) || 0;
var rent = parseFloat(document.getElementById('rpcMonthlyRent').value) || 0;
var vacancyRate = parseFloat(document.getElementById('rpcVacancyRate').value) || 0;
var taxYearly = parseFloat(document.getElementById('rpcAnnualTaxes').value) || 0;
var insuranceYearly = parseFloat(document.getElementById('rpcAnnualInsurance').value) || 0;
var hoaMonthly = parseFloat(document.getElementById('rpcHoa').value) || 0;
var maintenanceRate = parseFloat(document.getElementById('rpcMaintenance').value) || 0;
var managementRate = parseFloat(document.getElementById('rpcManagement').value) || 0;
// Calculations
var downAmount = price * (downPercent / 100);
var loanAmount = price – downAmount;
// Mortgage Calculation
var monthlyRate = (intRate / 100) / 12;
var numPayments = termYears * 12;
var monthlyMortgage = 0;
if (loanAmount > 0 && intRate > 0) {
monthlyMortgage = (loanAmount * monthlyRate) / (1 – Math.pow(1 + monthlyRate, -numPayments));
} else if (loanAmount > 0 && intRate === 0) {
monthlyMortgage = loanAmount / numPayments;
}
// Operating Expenses
var monthlyVacancy = rent * (vacancyRate / 100);
var monthlyMaintenance = rent * (maintenanceRate / 100);
var monthlyManagement = rent * (managementRate / 100);
var monthlyTax = taxYearly / 12;
var monthlyInsurance = insuranceYearly / 12;
var totalOperatingExpenses = monthlyVacancy + monthlyMaintenance + monthlyManagement + monthlyTax + monthlyInsurance + hoaMonthly;
// Metrics
var monthlyNOI = rent – totalOperatingExpenses;
var monthlyCashFlow = monthlyNOI – monthlyMortgage;
var annualCashFlow = monthlyCashFlow * 12;
var annualNOI = monthlyNOI * 12;
// ROI Metrics
var capRate = (price > 0) ? (annualNOI / price) * 100 : 0;
// Assuming initial cash invested is just down payment for simplicity in this calculator version
var initialInvestment = downAmount;
var cashOnCash = (initialInvestment > 0) ? (annualCashFlow / initialInvestment) * 100 : 0;
// Display Results
document.getElementById('resMortgage').innerText = formatCurrency(monthlyMortgage);
document.getElementById('resExpenses').innerText = formatCurrency(totalOperatingExpenses);
document.getElementById('resNOI').innerText = formatCurrency(monthlyNOI);
var cfElement = document.getElementById('resCashFlow');
cfElement.innerText = formatCurrency(monthlyCashFlow);
cfElement.className = monthlyCashFlow >= 0 ? "rpc-result-value rpc-positive" : "rpc-result-value rpc-negative";
var annualCfElement = document.getElementById('resAnnualCashFlow');
annualCfElement.innerText = formatCurrency(annualCashFlow);
annualCfElement.className = annualCashFlow >= 0 ? "rpc-result-value rpc-positive" : "rpc-result-value rpc-negative";
document.getElementById('resCoC').innerText = cashOnCash.toFixed(2) + "%";
document.getElementById('resCapRate').innerText = capRate.toFixed(2) + "%";
document.getElementById('rpcResultBox').style.display = 'block';
}
function formatCurrency(num) {
return "$" + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
Rental Property Cash Flow Calculator
Purchase & Loan Details
Monthly Income
Expenses
Investment Analysis
Monthly Mortgage P&I:
$0.00
Total Monthly Expenses (w/o Mortgage):
$0.00
Net Operating Income (NOI) / Mo:
$0.00
Monthly Cash Flow:
$0.00
Return Metrics
Annual Cash Flow:
$0.00
Cash-on-Cash Return:
0.00%
Cap Rate:
0.00%
Understanding Rental Property Cash Flow
Investing in real estate is one of the most reliable ways to build wealth, but the difference between a profitable asset and a financial burden often comes down to one metric: Cash Flow. This calculator helps investors analyze potential rental properties by accounting for all income and expenses, providing a clear picture of monthly profitability.
What is Cash Flow?
Cash flow is the net amount of cash moving into or out of an investment property after all expenses are paid. Positive cash flow means the property is generating income for you every month, while negative cash flow means you are paying out of pocket to hold the property.
The formula is simple in concept but requires detail to get right:
Cash Flow = Total Rental Income – (Operating Expenses + Debt Service)
Key Metrics Explained
- NOI (Net Operating Income): This is your total income minus operating expenses (taxes, insurance, maintenance, vacancy), excluding mortgage payments. It measures the property's raw profitability.
- Cap Rate (Capitalization Rate): Calculated as (Annual NOI / Purchase Price). This metric helps you compare the profitability of different properties regardless of how they are financed. A higher Cap Rate generally indicates a better return, though often comes with higher risk.
- Cash-on-Cash Return: This measures the return on the actual cash you invested (down payment). It is calculated as (Annual Cash Flow / Total Cash Invested). This is often considered the most important metric for investors using leverage.
Common "Hidden" Expenses
Many new investors fail because they only calculate Mortgage, Tax, and Insurance. To get an accurate cash flow number, you must account for:
- Vacancy Rate: Properties won't be rented 365 days a year. A standard 5-8% allowance safeguards your math.
- Maintenance & CapEx: Even if the house is new, things break. Setting aside 10-15% of rent for repairs and capital expenditures (like a new roof) is prudent.
- Property Management: Even if you self-manage, you should account for your time or the potential future cost of a manager (typically 8-10% of rent).
Use the Rental Property Cash Flow Calculator above to stress-test your deals. Try increasing the interest rate or vacancy rate to see if the property remains profitable under less-than-ideal conditions.