Rental Property ROI Calculator
.roi-calculator-widget {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #fff;
border: 1px solid #e2e8f0;
border-radius: 8px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
padding: 0;
overflow: hidden;
}
.roi-calc-header {
background: #2c3e50;
color: white;
padding: 20px;
text-align: center;
}
.roi-calc-header h2 {
margin: 0;
font-size: 24px;
}
.roi-calc-body {
padding: 25px;
display: grid;
grid-template-columns: 1fr 1fr;
gap: 30px;
}
@media (max-width: 768px) {
.roi-calc-body {
grid-template-columns: 1fr;
}
}
.roi-input-group {
margin-bottom: 15px;
}
.roi-input-group label {
display: block;
font-weight: 600;
color: #4a5568;
margin-bottom: 5px;
font-size: 14px;
}
.roi-input-wrapper {
position: relative;
display: flex;
align-items: center;
}
.roi-input-prefix, .roi-input-suffix {
background: #f7fafc;
border: 1px solid #cbd5e0;
color: #718096;
padding: 8px 12px;
font-size: 14px;
}
.roi-input-prefix {
border-right: none;
border-radius: 4px 0 0 4px;
}
.roi-input-suffix {
border-left: none;
border-radius: 0 4px 4px 0;
}
.roi-input-field {
flex: 1;
padding: 8px 12px;
border: 1px solid #cbd5e0;
font-size: 16px;
width: 100%;
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.roi-input-field:focus {
outline: none;
border-color: #4299e1;
box-shadow: 0 0 0 3px rgba(66, 153, 225, 0.2);
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.roi-btn {
grid-column: 1 / -1;
background: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 6px;
cursor: pointer;
transition: background 0.2s;
margin-top: 10px;
}
.roi-btn:hover {
background: #219150;
}
.roi-results-section {
grid-column: 1 / -1;
background: #f8fafc;
padding: 20px;
border-radius: 8px;
border: 1px solid #e2e8f0;
display: none; /* Hidden by default */
}
.roi-results-grid {
display: grid;
grid-template-columns: repeat(3, 1fr);
gap: 15px;
text-align: center;
margin-bottom: 20px;
}
@media (max-width: 600px) {
.roi-results-grid {
grid-template-columns: 1fr;
}
}
.roi-result-card {
background: white;
padding: 15px;
border-radius: 6px;
border: 1px solid #e2e8f0;
box-shadow: 0 2px 4px rgba(0,0,0,0.02);
}
.roi-result-label {
color: #718096;
font-size: 13px;
text-transform: uppercase;
letter-spacing: 0.5px;
margin-bottom: 5px;
}
.roi-result-value {
color: #2d3748;
font-size: 24px;
font-weight: 800;
}
.value-positive { color: #27ae60; }
.value-negative { color: #e74c3c; }
.roi-breakdown {
border-top: 1px solid #e2e8f0;
padding-top: 15px;
font-size: 14px;
color: #4a5568;
}
.roi-row {
display: flex;
justify-content: space-between;
margin-bottom: 8px;
}
.roi-row.total {
font-weight: bold;
border-top: 1px dashed #cbd5e0;
padding-top: 8px;
margin-top: 8px;
color: #2d3748;
}
.content-article {
max-width: 800px;
margin: 40px auto;
padding: 0 20px;
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
color: #333;
line-height: 1.6;
}
.content-article h2 { color: #2c3e50; border-bottom: 2px solid #eee; padding-bottom: 10px; }
.content-article h3 { color: #34495e; margin-top: 25px; }
.content-article p { margin-bottom: 15px; }
.content-article ul { margin-bottom: 15px; }
.content-article li { margin-bottom: 8px; }
How to Calculate Rental Property ROI
Investing in real estate is a powerful way to build wealth, but not every property is a good deal. Our Rental Property ROI Calculator helps you analyze the profitability of a potential investment by breaking down cash flow, Cash-on-Cash Return, and Cap Rate.
Key Metrics Explained
- Cash Flow: This is your profit after all expenses (mortgage, taxes, insurance, maintenance) are paid. Positive cash flow is essential for a sustainable investment.
- Cash-on-Cash Return (CoC): This measures the return on the actual cash you invested (down payment + closing costs), rather than the total property price. It is the most practical metric for most investors.
- Cap Rate (Capitalization Rate): This measures the property's natural rate of return without considering mortgage financing. It helps compare properties regardless of how they are paid for.
Estimating Expenses Correctly
Many new investors fail because they underestimate expenses. Beyond the mortgage, ensure you account for:
- Vacancy & Maintenance: We recommend setting aside at least 10-15% of monthly rent for repairs and periods where the property sits empty.
- Capital Expenditures (CapEx): Big ticket items like roofs and HVAC systems will eventually need replacement.
- Property Management: Even if you self-manage, it is wise to factor in 8-10% for management to see if the deal still works if you decide to hire a professional later.
What is a "Good" ROI?
While targets vary by market and strategy, many investors look for a Cash-on-Cash return of 8-12% and a Cash Flow of $100-$300 per door per month. However, in high-appreciation markets, investors may accept lower immediate cash flow in exchange for long-term equity growth.
function calculateROI() {
// 1. Get Inputs
var price = parseFloat(document.getElementById('prop_price').value) || 0;
var downPercent = parseFloat(document.getElementById('prop_down').value) || 0;
var closingCosts = parseFloat(document.getElementById('prop_closing').value) || 0;
var interestRate = parseFloat(document.getElementById('prop_interest').value) || 0;
var loanTermYears = parseFloat(document.getElementById('prop_term').value) || 0;
var rent = parseFloat(document.getElementById('prop_rent').value) || 0;
var annualTax = parseFloat(document.getElementById('prop_tax').value) || 0;
var annualIns = parseFloat(document.getElementById('prop_ins').value) || 0;
var monthlyHOA = parseFloat(document.getElementById('prop_hoa').value) || 0;
var maintPercent = parseFloat(document.getElementById('prop_maint').value) || 0;
// 2. Calculate Mortgage (P&I)
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var monthlyRate = (interestRate / 100) / 12;
var numPayments = loanTermYears * 12;
var monthlyMortgage = 0;
if (loanAmount > 0 && interestRate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else if (loanAmount > 0 && interestRate === 0) {
monthlyMortgage = loanAmount / numPayments;
}
// 3. Calculate Expenses
var monthlyTax = annualTax / 12;
var monthlyIns = annualIns / 12;
var monthlyMaint = rent * (maintPercent / 100);
var totalMonthlyExpenses = monthlyTax + monthlyIns + monthlyHOA + monthlyMaint; // Operating Expenses (OpEx)
// 4. Calculate Key Metrics
var monthlyNOI = rent – totalMonthlyExpenses; // Net Operating Income (monthly)
var annualNOI = monthlyNOI * 12;
var monthlyCashFlow = monthlyNOI – monthlyMortgage;
var annualCashFlow = monthlyCashFlow * 12;
var totalCashInvested = downPayment + closingCosts;
// Avoid division by zero
var cashOnCashROI = 0;
if (totalCashInvested > 0) {
cashOnCashROI = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// 5. Update UI
document.getElementById('resultsArea').style.display = 'block';
// Helper for currency format
var fmtMoney = new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' });
// Update Result Cards
var cfEl = document.getElementById('res_cashflow');
cfEl.innerHTML = fmtMoney.format(monthlyCashFlow);
cfEl.className = 'roi-result-value ' + (monthlyCashFlow >= 0 ? 'value-positive' : 'value-negative');
var cocEl = document.getElementById('res_coc');
cocEl.innerHTML = cashOnCashROI.toFixed(2) + '%';
cocEl.className = 'roi-result-value ' + (cashOnCashROI >= 0 ? 'value-positive' : 'value-negative');
document.getElementById('res_cap').innerHTML = capRate.toFixed(2) + '%';
// Update Breakdown Table
document.getElementById('bd_income').innerHTML = fmtMoney.format(rent);
document.getElementById('bd_mortgage').innerHTML = '-' + fmtMoney.format(monthlyMortgage);
document.getElementById('bd_opex').innerHTML = '-' + fmtMoney.format(totalMonthlyExpenses);
document.getElementById('bd_noi').innerHTML = fmtMoney.format(annualNOI);
document.getElementById('bd_invested').innerHTML = fmtMoney.format(totalCashInvested);
}