#rental-roi-calculator-plugin {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #fff;
color: #333;
line-height: 1.6;
}
.calculator-card {
background: #f8f9fa;
padding: 30px;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0,0,0,0.1);
margin-bottom: 40px;
border: 1px solid #e9ecef;
}
.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: 8px;
font-weight: 600;
font-size: 0.95rem;
color: #2c3e50;
}
.input-group input, .input-group select {
width: 100%;
padding: 12px;
border: 1px solid #ced4da;
border-radius: 6px;
font-size: 1rem;
box-sizing: border-box;
transition: border-color 0.2s;
}
.input-group input:focus {
border-color: #007bff;
outline: none;
}
.section-title {
grid-column: 1 / -1;
font-size: 1.1rem;
color: #007bff;
margin-top: 10px;
margin-bottom: 10px;
border-bottom: 2px solid #e9ecef;
padding-bottom: 5px;
}
button.calc-btn {
grid-column: 1 / -1;
background: #007bff;
color: white;
border: none;
padding: 15px;
font-size: 1.1rem;
font-weight: bold;
border-radius: 6px;
cursor: pointer;
transition: background 0.2s;
margin-top: 10px;
}
button.calc-btn:hover {
background: #0056b3;
}
#roi-results {
display: none;
grid-column: 1 / -1;
background: #fff;
padding: 20px;
border-radius: 6px;
border-left: 5px solid #28a745;
margin-top: 20px;
box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
font-weight: 500;
color: #555;
}
.result-value {
font-weight: 700;
color: #2c3e50;
font-size: 1.1rem;
}
.highlight-value {
color: #28a745;
font-size: 1.3rem;
}
.article-content h2 {
color: #2c3e50;
margin-top: 30px;
}
.article-content p {
margin-bottom: 15px;
font-size: 1.05rem;
}
.article-content ul {
margin-bottom: 20px;
}
.article-content li {
margin-bottom: 8px;
}
function calculateRentalROI() {
// Get Input Values
var purchasePrice = parseFloat(document.getElementById('purchasePrice').value) || 0;
var closingCosts = parseFloat(document.getElementById('closingCosts').value) || 0;
var downPaymentPercent = parseFloat(document.getElementById('downPaymentPercent').value) || 0;
var interestRate = parseFloat(document.getElementById('interestRate').value) || 0;
var loanTermYears = parseInt(document.getElementById('loanTerm').value) || 30;
var monthlyRent = parseFloat(document.getElementById('monthlyRent').value) || 0;
var monthlyOtherExpenses = parseFloat(document.getElementById('monthlyExpenses').value) || 0;
// Input Validation
if (purchasePrice <= 0 || monthlyRent 0) {
monthlyMortgage = loanAmount * (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, numberOfPayments)) / (Math.pow(1 + monthlyInterestRate, numberOfPayments) – 1);
} else {
monthlyMortgage = loanAmount / numberOfPayments;
}
// 3. Cash Flow
var totalMonthlyExpenses = monthlyMortgage + monthlyOtherExpenses;
var monthlyCashFlow = monthlyRent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// 4. Net Operating Income (NOI) -> Rent – Operating Expenses (excluding mortgage)
var annualRent = monthlyRent * 12;
var annualOperatingExpenses = monthlyOtherExpenses * 12; // Excluding mortgage
var annualNOI = annualRent – annualOperatingExpenses;
// 5. Returns
var cashOnCashReturn = 0;
if (totalInitialCash > 0) {
cashOnCashReturn = (annualCashFlow / totalInitialCash) * 100;
}
var capRate = 0;
if (purchasePrice > 0) {
capRate = (annualNOI / purchasePrice) * 100;
}
// Display Results
document.getElementById('resMortgage').innerText = "$" + monthlyMortgage.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
var cashFlowEl = document.getElementById('resCashFlow');
cashFlowEl.innerText = "$" + monthlyCashFlow.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
if(monthlyCashFlow < 0) {
cashFlowEl.style.color = "#dc3545"; // Red for negative
} else {
cashFlowEl.style.color = "#28a745"; // Green for positive
}
var cocEl = document.getElementById('resCoC');
cocEl.innerText = cashOnCashReturn.toFixed(2) + "%";
if(cashOnCashReturn < 0) {
cocEl.style.color = "#dc3545";
} else {
cocEl.style.color = "#28a745";
}
document.getElementById('resNOI').innerText = "$" + annualNOI.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resCapRate').innerText = capRate.toFixed(2) + "%";
// Show Result Section
document.getElementById('roi-results').style.display = 'block';
}
Rental Property ROI Calculator
Acquisition Costs
Financing Details
30 Years
20 Years
15 Years
10 Years
Income & Expenses
Monthly Mortgage Payment:
$0.00
Total Monthly Cash Flow:
$0.00
Cash on Cash Return (Annual):
0.00%
Net Operating Income (Annual):
$0.00
Cap Rate:
0.00%
Understanding Your Rental Property ROI
Investing in real estate is a powerful vehicle for building wealth, but simply buying a property doesn't guarantee a profit. To succeed, you must understand the key metrics that determine the viability of an investment. This Rental Property ROI Calculator helps investors analyze the potential profitability of a residential rental property by breaking down cash flow, equity buildup, and return on investment.
Key Metrics Explained
- Cash Flow: This is the net amount of money moving into or out of your business every month. It is calculated by subtracting all expenses (mortgage, taxes, insurance, repairs) from the total rental income. Positive cash flow is essential for a sustainable investment.
- Cash on Cash Return (CoC): This is arguably the most important metric for rental investors. It measures the annual return on the actual cash you invested (down payment + closing costs + repairs), rather than the total loan amount. A CoC return of 8-12% is often considered a solid benchmark in many markets.
- Cap Rate (Capitalization Rate): The Cap Rate measures the property's natural rate of return assuming you bought it with all cash. It is calculated by dividing the Net Operating Income (NOI) by the property's asset value. It helps compare properties quickly without factoring in financing structures.
How to Optimize Your Investment
If your calculation shows a negative cash flow or a low Cash on Cash return, consider the following adjustments:
First, review your operating expenses. Are there ways to lower insurance premiums or manage the property yourself to save on management fees? Second, analyze the rental market. Are you charging market rate rents? Small increases in monthly rent can drastically improve your bottom line.
Finally, consider the financing terms. A lower interest rate or a larger down payment can reduce monthly mortgage obligations, instantly boosting your monthly cash flow.