.rental-roi-calculator-wrapper {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #fff;
padding: 20px;
border: 1px solid #e0e0e0;
border-radius: 8px;
}
.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;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.calc-btn {
background-color: #2c3e50;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
font-weight: bold;
cursor: pointer;
border-radius: 4px;
width: 100%;
margin-top: 10px;
transition: background-color 0.3s;
}
.calc-btn:hover {
background-color: #34495e;
}
.results-section {
margin-top: 30px;
background-color: #f8f9fa;
padding: 20px;
border-radius: 8px;
border-left: 5px solid #27ae60;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #e9ecef;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
color: #555;
}
.result-value {
font-weight: bold;
font-size: 18px;
color: #2c3e50;
}
.highlight-result {
color: #27ae60;
font-size: 24px;
}
.seo-content {
margin-top: 40px;
line-height: 1.6;
color: #444;
}
.seo-content h2 {
color: #2c3e50;
margin-top: 30px;
}
.seo-content h3 {
color: #34495e;
margin-top: 20px;
}
.seo-content ul {
padding-left: 20px;
}
.seo-content li {
margin-bottom: 10px;
}
function calculateCoC() {
// Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value);
var down = parseFloat(document.getElementById('downPayment').value);
var closing = parseFloat(document.getElementById('closingCosts').value);
var rehab = parseFloat(document.getElementById('rehabCosts').value);
var rate = parseFloat(document.getElementById('interestRate').value);
var years = parseFloat(document.getElementById('loanTerm').value);
var rent = parseFloat(document.getElementById('monthlyRent').value);
var expenses = parseFloat(document.getElementById('otherExpenses').value);
// Validation
if (isNaN(price) || isNaN(down) || isNaN(closing) || isNaN(rent) || isNaN(expenses)) {
alert("Please fill in all fields with valid numbers.");
return;
}
// 1. Calculate Total Cash Invested
// Cash Invested = Down Payment + Closing Costs + Rehab Costs
var totalInvested = down + closing + (isNaN(rehab) ? 0 : rehab);
// 2. Calculate Mortgage Payment
var loanAmount = price – down;
var monthlyMortgage = 0;
if (loanAmount > 0 && rate > 0 && years > 0) {
var monthlyRate = (rate / 100) / 12;
var numberOfPayments = years * 12;
// Standard Amortization Formula: P * (r(1+r)^n) / ((1+r)^n – 1)
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else if (loanAmount > 0 && rate === 0 && years > 0) {
monthlyMortgage = loanAmount / (years * 12);
}
// 3. Calculate Cash Flow
// Monthly Cash Flow = Rent – (Operating Expenses + Mortgage)
var totalMonthlyExpenses = expenses + monthlyMortgage;
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// 4. Calculate Cash on Cash Return
// CoC = (Annual Pre-Tax Cash Flow / Total Cash Invested) * 100
var cocReturn = 0;
if (totalInvested > 0) {
cocReturn = (annualCashFlow / totalInvested) * 100;
}
// Display Results
// Helper for currency formatting
var fmt = new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' });
document.getElementById('resTotalInvested').innerHTML = fmt.format(totalInvested);
document.getElementById('resMortgage').innerHTML = fmt.format(monthlyMortgage);
document.getElementById('resMonthlyCashFlow').innerHTML = fmt.format(monthlyCashFlow);
document.getElementById('resAnnualCashFlow').innerHTML = fmt.format(annualCashFlow);
var cocElement = document.getElementById('resCoC');
cocElement.innerHTML = cocReturn.toFixed(2) + "%";
// Color coding for negative flow
if(cocReturn < 0) {
cocElement.style.color = "#c0392b";
} else {
cocElement.style.color = "#27ae60";
}
// Show results section
document.getElementById('results').style.display = 'block';
}
What is Cash on Cash Return?
Cash on Cash (CoC) Return is a fundamental metric in real estate investing that measures the annual return on the actual cash invested in a property. Unlike Cap Rate, which looks at the property's value, CoC Return focuses specifically on the money you put down (down payment, closing costs, and repairs) relative to the cash flow the property generates.
Why Use this Calculator?
This Rental Property Cash on Cash Return Calculator allows investors to determine the efficiency of their capital. By inputting specific financial details like purchase price, loan terms, and operating expenses, you can simulate different scenarios to decide if a rental property is a sound investment.
How It Is Calculated
The formula used in this calculator is:
Cash on Cash Return = (Annual Pre-Tax Cash Flow / Total Cash Invested) × 100
- Annual Cash Flow: (Monthly Rent – Expenses – Mortgage Payment) × 12
- Total Cash Invested: Down Payment + Closing Costs + Rehab Costs
Example Calculation
Imagine you purchase a property for $250,000. You put $50,000 down and pay $8,000 in closing costs (Total Invested: $58,000). If your net annual cash flow after paying the mortgage and all expenses is $5,800, your Cash on Cash return is:
($5,800 / $58,000) × 100 = 10%
What is a Good Cash on Cash Return?
While "good" is subjective, many real estate investors target a Cash on Cash return between 8% and 12%. Returns above 12% are generally considered excellent, while returns below 5% might suggest that your money could be better invested elsewhere, such as in the stock market or bonds.