.calculator-container {
max-width: 800px;
margin: 0 auto;
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
color: #333;
background: #fff;
padding: 20px;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0,0,0,0.05);
}
.calculator-header {
text-align: center;
margin-bottom: 30px;
background: #2c3e50;
color: #fff;
padding: 20px;
border-radius: 8px 8px 0 0;
margin: -20px -20px 20px -20px;
}
.calculator-header h2 {
margin: 0;
font-size: 24px;
}
.input-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
margin-bottom: 25px;
}
@media (max-width: 600px) {
.input-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 8px;
font-weight: 600;
font-size: 14px;
color: #555;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 5px rgba(52, 152, 219, 0.3);
}
.section-title {
grid-column: 1 / -1;
font-size: 18px;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
margin-top: 10px;
margin-bottom: 15px;
color: #2c3e50;
}
.calc-btn {
display: block;
width: 100%;
padding: 15px;
background: #27ae60;
color: white;
border: none;
border-radius: 4px;
font-size: 18px;
font-weight: bold;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
}
.calc-btn:hover {
background: #219150;
}
.results-section {
background: #f8f9fa;
border: 1px solid #e9ecef;
border-radius: 6px;
padding: 20px;
margin-top: 30px;
display: none;
}
.results-grid {
display: grid;
grid-template-columns: repeat(3, 1fr);
gap: 15px;
}
@media (max-width: 600px) {
.results-grid {
grid-template-columns: 1fr;
}
}
.result-item {
text-align: center;
padding: 10px;
background: #fff;
border-radius: 4px;
box-shadow: 0 2px 4px rgba(0,0,0,0.05);
}
.result-label {
font-size: 13px;
color: #7f8c8d;
margin-bottom: 5px;
font-weight: 600;
}
.result-value {
font-size: 20px;
font-weight: bold;
color: #2c3e50;
}
.highlight-result {
grid-column: 1 / -1;
background: #e8f6f3;
border: 2px solid #27ae60;
padding: 20px;
margin-bottom: 15px;
}
.highlight-result .result-value {
font-size: 32px;
color: #27ae60;
}
.error-msg {
color: #c0392b;
text-align: center;
margin-top: 10px;
font-weight: bold;
display: none;
}
.article-content {
margin-top: 50px;
line-height: 1.6;
color: #444;
}
.article-content h2 {
color: #2c3e50;
margin-top: 30px;
}
.article-content ul {
margin-bottom: 20px;
}
.article-content li {
margin-bottom: 10px;
}
function calculateRentalROI() {
// Get Inputs
var price = parseFloat(document.getElementById('purchasePrice').value);
var downPmt = parseFloat(document.getElementById('downPayment').value);
var closing = parseFloat(document.getElementById('closingCosts').value);
var rate = parseFloat(document.getElementById('interestRate').value);
var term = parseFloat(document.getElementById('loanTerm').value);
var rent = parseFloat(document.getElementById('monthlyRent').value);
var hoa = parseFloat(document.getElementById('monthlyHOA').value);
var tax = parseFloat(document.getElementById('annualTaxes').value);
var insurance = parseFloat(document.getElementById('annualInsurance').value);
var maintRate = parseFloat(document.getElementById('maintenanceRate').value);
// Validation
var errorDiv = document.getElementById('errorDisplay');
if (isNaN(price) || isNaN(downPmt) || isNaN(rent) || price 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else {
monthlyMortgage = loanAmount / numPayments;
}
// 2. Calculate Expenses
var monthlyTax = tax / 12;
var monthlyIns = insurance / 12;
var monthlyMaint = rent * (maintRate / 100);
var totalMonthlyExpenses = monthlyMortgage + monthlyTax + monthlyIns + monthlyMaint + hoa;
// 3. Calculate Cash Flow
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// 4. Calculate Investment Base
var totalCashInvested = downPmt + closing;
// 5. Calculate Returns
var cocReturn = 0;
if (totalCashInvested > 0) {
cocReturn = (annualCashFlow / totalCashInvested) * 100;
}
// Display Results
document.getElementById('resCocReturn').innerHTML = cocReturn.toFixed(2) + "%";
document.getElementById('resCocReturn').style.color = cocReturn >= 0 ? "#27ae60" : "#c0392b";
document.getElementById('resMonthlyCashFlow').innerHTML = formatCurrency(monthlyCashFlow);
document.getElementById('resMonthlyCashFlow').style.color = monthlyCashFlow >= 0 ? "#333" : "#c0392b";
document.getElementById('resAnnualCashFlow').innerHTML = formatCurrency(annualCashFlow);
document.getElementById('resTotalInvested').innerHTML = formatCurrency(totalCashInvested);
document.getElementById('resMortgage').innerHTML = formatCurrency(monthlyMortgage);
document.getElementById('resTotalExpenses').innerHTML = formatCurrency(totalMonthlyExpenses);
document.getElementById('resultsSection').style.display = 'block';
}
function formatCurrency(num) {
return "$" + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
Rental Property Cash on Cash Return Calculator
Purchase Information
Financing Details
Rental Income & Expenses
Cash on Cash Return
0.00%
Monthly Cash Flow
$0.00
Annual Cash Flow
$0.00
Total Cash Invested
$0.00
Monthly Mortgage
$0.00
Total Monthly Expenses
$0.00
Understanding Cash on Cash Return in Real Estate
Cash on Cash Return (CoC) is one of the most important metrics for real estate investors. Unlike generic ROI, which might look at total potential value, CoC measures the annual return on the actual cash you invested in the property. It answers the question: "For every dollar I put into this deal, how much cash am I getting back this year?"
How This Calculator Works
This calculator determines the profitability of a rental property by analyzing four key components:
- Initial Investment: This includes your down payment, closing costs, and immediate repair costs. This is your "skin in the game."
- Net Operating Income (NOI): Your total rental income minus operating expenses (taxes, insurance, HOA, maintenance).
- Debt Service: The principal and interest payments on your mortgage.
- Cash Flow: The money left over after paying all expenses and the mortgage.
The Formula
The standard formula used in this tool is:
Cash on Cash Return = (Annual Pre-Tax Cash Flow / Total Cash Invested) × 100%
What is a Good Cash on Cash Return?
While target returns vary by market and investor strategy, here are general benchmarks:
- 8-12%: Generally considered a solid return for long-term residential rentals.
- 15%+: Excellent return, often found in high-risk areas or value-add deals (fixer-uppers).
- Under 5%: May rely heavily on appreciation rather than cash flow, which carries higher risk.
Example Scenario
Imagine you buy a property for $200,000. You put $40,000 down and pay $5,000 in closing costs (Total Invested: $45,000). After paying the mortgage and all expenses, the property generates $300 per month in pure profit ($3,600/year).
Your Cash on Cash Return would be: ($3,600 / $45,000) = 8%.