Landlord Cash Flow Calculator
ANA›Life Services Authority›National Calculator Authority›Landlord Cash Flow Calculator
.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }
Landlord Cash Flow Calculator
Calculate your rental property's monthly and annual cash flow by entering all income sources and expenses below.
### Income
Monthly Gross Rent ($)
Other Monthly Income (parking, laundry, etc.) ($)
Vacancy Rate (%)
### Financing
Monthly Mortgage Payment (P&I) ($)
### Operating Expenses (Monthly)
Property Tax ($)
Insurance ($)
HOA / Condo Fees ($)
Maintenance & Repairs ($)
Property Management Fee (%)
Utilities Paid by Landlord ($)
Other Monthly Expenses ($)
Calculate Cash Flow
function lanCalc() { var resultDiv = document.getElementById('lan-result');
var rent = parseFloat(document.getElementById('lan-rent').value); var otherInc = parseFloat(document.getElementById('lan-other-income').value) || 0; var vacancy = parseFloat(document.getElementById('lan-vacancy').value); var mortgage = parseFloat(document.getElementById('lan-mortgage').value) || 0; var tax = parseFloat(document.getElementById('lan-tax').value) || 0; var insurance = parseFloat(document.getElementById('lan-insurance').value) || 0; var hoa = parseFloat(document.getElementById('lan-hoa').value) || 0; var maintenance = parseFloat(document.getElementById('lan-maintenance').value) || 0; var mgmtPct = parseFloat(document.getElementById('lan-mgmt').value) || 0; var utilities = parseFloat(document.getElementById('lan-utilities').value) || 0; var otherExp = parseFloat(document.getElementById('lan-other-exp').value) || 0;
// Validation if (isNaN(rent) || rent 100) { resultDiv.innerHTML = 'Vacancy rate must be between 0 and 100.
'; return; } if (mgmtPct 100) { resultDiv.innerHTML = 'Management fee must be between 0 and 100.
'; return; }
// --- Calculations --- // Effective Gross Income (EGI) accounts for vacancy loss var vacancyLoss = (rent + otherInc) * (vacancy / 100); var egi = (rent + otherInc) - vacancyLoss;
// Management fee is calculated on EGI (collected rent) var mgmtFee = egi * (mgmtPct / 100);
// Total Operating Expenses (excludes mortgage — debt service) var totalOpEx = tax + insurance + hoa + maintenance + mgmtFee + utilities + otherExp;
// Net Operating Income (NOI) = EGI - Operating Expenses (before debt service) var noi = egi - totalOpEx;
// Cash Flow = NOI - Mortgage (debt service) var monthlyCashFlow = noi - mortgage; var annualCashFlow = monthlyCashFlow * 12; var annualNOI = noi * 12;
// Cash-on-Cash return requires purchase info — we show NOI and cash flow only var cfColor = monthlyCashFlow >= 0 ? '#2e7d32' : '#c62828'; var cfLabel = monthlyCashFlow >= 0 ? 'Positive Cash Flow ✔' : 'Negative Cash Flow ✘';
resultDiv.innerHTML = '### Results ' + '' + 'Gross Monthly Income$' + (rent + otherInc).toFixed(2) + '' + 'Vacancy Loss (' + vacancy.toFixed(1) + '%)- $' + vacancyLoss.toFixed(2) + '' + 'Effective Gross Income (EGI)$' + egi.toFixed(2) + '' + '' + 'Property Tax- $' + tax.toFixed(2) + '' + 'Insurance- $' + insurance.toFixed(2) + '' + 'HOA / Condo Fees- $' + hoa.toFixed(2) + '' + 'Maintenance & Repairs- $' + maintenance.toFixed(2) + '' + 'Property Management (' + mgmtPct.toFixed(1) + '% of EGI)- $' + mgmtFee.toFixed(2) + '' + 'Utilities- $' + utilities.toFixed(2) + '' + 'Other Expenses- $' + otherExp.toFixed(2) + '' + 'Total Operating Expenses- $' + totalOpEx.toFixed(2) + '' + '' + 'Net Operating Income (NOI)$' + noi.toFixed(2) + ' / mo' + 'Mortgage Payment (P&I)- $' + mortgage.toFixed(2) + '' + '' + '' + 'Monthly Cash Flow' + '$' + monthlyCashFlow.toFixed(2) + '' + '' + '' + 'Annual Cash Flow' + '$' + annualCashFlow.toFixed(2) + '' + '' + 'Annual NOI$' + annualNOI.toFixed(2) + '' + '' + '' + cfLabel + '
'; }
#### Formulas Used
Vacancy Loss = (Gross Rent + Other Income) × (Vacancy Rate / 100)
Effective Gross Income (EGI) = Gross Rent + Other Income − Vacancy Loss
Management Fee = EGI × (Management Fee % / 100)
Total Operating Expenses = Property Tax + Insurance + HOA + Maintenance + Management Fee + Utilities + Other Expenses
Net Operating Income (NOI) = EGI − Total Operating Expenses
Monthly Cash Flow = NOI − Mortgage Payment (P&I)
Annual Cash Flow = Monthly Cash Flow × 12
#### Assumptions & References
- Cash flow is after all operating expenses and debt service, representing actual money in your pocket each month.
- Reference: Investopedia — Net Operating Income (NOI); BiggerPockets Rental Property Analysis guides.
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