.calculator-container {
max-width: 800px;
margin: 20px auto;
padding: 25px;
background: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}
.calculator-title {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 24px;
font-weight: 700;
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.calc-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #333;
font-size: 14px;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #0073aa;
outline: none;
}
.calc-btn {
grid-column: 1 / -1;
background-color: #0073aa;
color: white;
padding: 15px;
border: none;
border-radius: 4px;
font-size: 18px;
cursor: pointer;
width: 100%;
margin-top: 10px;
transition: background-color 0.3s;
}
.calc-btn:hover {
background-color: #005177;
}
.results-section {
grid-column: 1 / -1;
margin-top: 25px;
padding: 20px;
background: #fff;
border: 1px solid #ddd;
border-radius: 4px;
display: none;
}
.results-section h3 {
margin-top: 0;
color: #2c3e50;
border-bottom: 2px solid #0073aa;
padding-bottom: 10px;
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.result-row.highlight {
font-weight: bold;
color: #0073aa;
font-size: 18px;
}
.result-row:last-child {
border-bottom: none;
}
.seo-content {
max-width: 800px;
margin: 40px auto;
line-height: 1.6;
color: #333;
}
.seo-content h2 {
color: #2c3e50;
margin-top: 30px;
}
.seo-content p {
margin-bottom: 15px;
}
.seo-content ul {
margin-bottom: 20px;
padding-left: 20px;
}
.seo-content li {
margin-bottom: 8px;
}
function calculateRentalROI() {
// Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value);
var downPayment = parseFloat(document.getElementById('downPayment').value);
var rate = parseFloat(document.getElementById('interestRate').value);
var term = parseFloat(document.getElementById('loanTerm').value);
var rent = parseFloat(document.getElementById('monthlyRent').value);
var expenses = parseFloat(document.getElementById('monthlyExpenses').value);
// Validation
if (isNaN(price) || isNaN(downPayment) || isNaN(rate) || isNaN(term) || isNaN(rent) || isNaN(expenses)) {
alert("Please enter valid numbers in all fields.");
return;
}
// 1. Calculate Mortgage Payment
var loanAmount = price – downPayment;
var monthlyRate = (rate / 100) / 12;
var totalPayments = term * 12;
var mortgagePayment = 0;
if (loanAmount > 0) {
if (rate === 0) {
mortgagePayment = loanAmount / totalPayments;
} else {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, totalPayments)) / (Math.pow(1 + monthlyRate, totalPayments) – 1);
}
}
// 2. Calculate Costs and Cash Flow
var totalMonthlyCost = mortgagePayment + expenses;
var monthlyCashFlow = rent – totalMonthlyCost;
var annualCashFlow = monthlyCashFlow * 12;
// 3. Calculate NOI (Net Operating Income)
// NOI = (Annual Income – Annual Operating Expenses [excluding mortgage])
var annualRent = rent * 12;
var annualExpenses = expenses * 12;
var noi = annualRent – annualExpenses;
// 4. Calculate Metrics
var capRate = (noi / price) * 100;
var cashOnCash = 0;
if (downPayment > 0) {
cashOnCash = (annualCashFlow / downPayment) * 100;
}
// Display Results
document.getElementById('displayMortgage').innerHTML = "$" + mortgagePayment.toFixed(2);
document.getElementById('displayTotalCost').innerHTML = "$" + totalMonthlyCost.toFixed(2);
var cashFlowEl = document.getElementById('displayCashFlow');
cashFlowEl.innerHTML = "$" + monthlyCashFlow.toFixed(2);
cashFlowEl.style.color = monthlyCashFlow >= 0 ? "green" : "red";
document.getElementById('displayNOI').innerHTML = "$" + noi.toFixed(2);
document.getElementById('displayCapRate').innerHTML = capRate.toFixed(2) + "%";
var cocEl = document.getElementById('displayCoC');
cocEl.innerHTML = cashOnCash.toFixed(2) + "%";
cocEl.style.color = cashOnCash >= 0 ? "green" : "red";
document.getElementById('results').style.display = 'block';
}
Understanding Rental Property ROI
investing in real estate is one of the most reliable ways to build wealth, but not every property is a good deal. Our Rental Property ROI Calculator helps investors analyze the profitability of a potential purchase by breaking down the numbers that matter most: Cash Flow, Cap Rate, and Cash on Cash Return.
What is Cash on Cash Return?
Cash on Cash (CoC) return is a metric often used in real estate transactions to calculate the cash income earned on the cash invested in a property. Unlike standard return on investment (ROI) calculations, CoC measures the annual pre-tax cash flow relative to the total amount of cash invested (usually the down payment plus closing costs).
Formula: (Annual Pre-Tax Cash Flow / Total Cash Invested) x 100
A "good" Cash on Cash return varies by market, but many investors look for returns between 8% and 12%.
Cap Rate vs. Cash Flow
While Cash Flow tells you how much money goes into your pocket every month, the Capitalization Rate (Cap Rate) measures the property's natural rate of return assuming it was bought with cash. It is calculated by dividing the Net Operating Income (NOI) by the current market value of the asset.
- Cash Flow: Critical for covering monthly obligations and generating passive income.
- Cap Rate: Useful for comparing the profitability of similar properties in different markets, regardless of financing.
Key Expenses to Consider
When using this calculator, ensure you estimate your operating expenses accurately to avoid overestimating profit. Common expenses include:
- Property Taxes & Insurance: These are mandatory recurring costs.
- Repairs & Maintenance: A good rule of thumb is to budget 5-10% of rent for repairs.
- Vacancy Rate: Properties are rarely occupied 100% of the time. Budgeting for 5-8% vacancy is prudent.
- Property Management: If you hire a manager, expect to pay 8-10% of the monthly rent.
How to Use This Calculator
Simply enter the purchase price, your financing details (down payment, interest rate, term), and your projected monthly income and expenses. The calculator will instantly determine your monthly mortgage payment and provide a detailed investment analysis. Use these figures to negotiate better deals or identify properties that meet your financial goals.