Cashflow Code — CRE Calculator

Model the real wealth, cashflow, and tax impact of commercial real estate vs. doing nothing — over a 20-year horizon.

🌐 Live demo: cashflow-calc.exe.xyz

A React calculator built for high-W-2 earners exploring the path to financial freedom through commercial real estate. It quantifies the opportunity cost of inaction by running side-by-side projections of "Take Action" (acquire properties at scale) vs. "Do Nothing" (keep paying full taxes), so you can see what's at stake in dollars rather than abstractions.

The model captures five wealth engines simultaneously — equity appreciation, cumulative cashflow, depreciation tax savings, tenant principal paydown, and the tax drag of the do-nothing path — plus an optional stocks-only baseline for comparison.

Two modes

• Simple — two inputs (annual income, monthly freedom number) and an instant 1/3/5-year opportunity-cost view with a 20-year wealth chart.
• Advanced — full assumption controls: cap rate, depreciation, equity stake, forced/annual appreciation, refi cycle, tax + cashflow reinvestment, stock alternative, and more.

Features

• Opportunity-cost framing — the headline number is the wealth gap between acting and waiting at your chosen horizon
• "Where the gap comes from" breakdown — equity appreciation, cumulative cashflow, tax savings (incl. banked future deductions), principal paydown, tax drag of doing nothing
• Scale Without Your Capital — shows how creative financing + redirected taxes + tenant principal can cover up to 100% of an acquisition
• Bracket-accurate federal + state tax model (2026 brackets, single filer)
• REPS-aware depreciation — W-2 sheltering during the buying phase, depreciation pool depletion across the hold
• Wealth & cashflow charts — 20-year trajectories with annotated reference lines (buying ends, freedom threshold)
• "Other Optimizations" — rolling refi cycle (configurable interval) and tax/cashflow reinvestment toggle
• Stocks comparison at Y20 — emphasizing CRE and stocks are additive, not either-or
• Light / dark mode, responsive layout (mobile drawer + desktop sidebar)

Tech stack

Layer	Library
UI	React 18 + Tailwind CSS
Charts	Recharts
Build	Vite
Tests	Vitest + Testing Library
Icons	Lucide React
Deploy	Vercel

Getting started

Requires Node 18+.

git clone https://github.com/Cashflow-Code/demo-repository.git
cd demo-repository

npm install

npm run dev          # http://localhost:5173
npm test             # unit tests (projection, tax, fmt, EquityInput)
npm run build        # production build
npm run preview      # preview the production build locally

Project structure

src/
  App.jsx                  # state + Advanced view layout
  main.jsx                 # React entry
  index.css                # Tailwind directives
  components/
    SimpleCalculator.jsx   # Simple-mode view
    Sidebar.jsx            # input controls (desktop)
    MobileSidebar.jsx      # input controls (mobile drawer)
    SidebarContent.jsx     # shared sidebar body
    WealthChart.jsx        # 20-year wealth trajectory
    CashflowChart.jsx      # 20-year monthly cashflow trajectory
    ChartTooltip.jsx       # custom Recharts tooltip
    EquityInput.jsx        # deal-control preset selector
    Slider.jsx, Switch.jsx # form primitives
    MetricTile.jsx, TotalBanner.jsx, ContrastBullet.jsx
    Logo.jsx
  utils/
    projection.js          # core financial model (computeProjection)
    tax.js                 # bracket-accurate federal + state tax engine
    fmt.js                 # number formatting (K / M / B notation)
  __tests__/
    projection.test.js, tax.test.js, fmt.test.js, EquityInput.test.jsx

Core model

computeProjection() in src/utils/projection.js runs a year-by-year loop over the 20-year horizon:

1. Properties acquired at propertiesPerYear during buyingYears
2. Asset value grows by forcedAppreciation% in the year of purchase, then annualAppreciation%/yr
3. Cashflow starts at capRate × propertyValue and grows at cashflowGrowth%/yr
4. 100% LTV loans amortize at loanRate% over loanTerm years; principal paydown is credited from the origination year
5. Depreciation pool depletes against W-2 income (bracket-accurate); REPS makes cashflow tax-free
6. Freedom threshold = the earliest year passive cashflow ≥ enoughNumber

Deployment

Deploys to Vercel via vercel.json. Pushes to main auto-deploy to cashflow-calc.exe.xyz.

Want to learn the strategy?

This calculator quantifies the math, but the playbook is the bigger story.

📘 Learn the full strategy at learn.cashflowcode.ai →