.rental-roi-calculator-wrapper {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
max-width: 800px;
margin: 0 auto;
border: 1px solid #e0e0e0;
border-radius: 8px;
background: #fff;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
padding: 20px;
}
.rental-roi-header {
text-align: center;
margin-bottom: 30px;
background: #f8f9fa;
padding: 20px;
border-radius: 6px;
}
.rental-roi-header h2 {
margin: 0;
color: #2c3e50;
font-size: 24px;
}
.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: #555;
font-size: 14px;
}
.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;
}
.calc-btn-container {
text-align: center;
margin-top: 20px;
margin-bottom: 30px;
}
.calc-btn {
background-color: #27ae60;
color: white;
padding: 12px 30px;
border: none;
border-radius: 5px;
font-size: 18px;
cursor: pointer;
transition: background 0.3s;
font-weight: bold;
}
.calc-btn:hover {
background-color: #219150;
}
.results-section {
background-color: #f1f8ff;
padding: 20px;
border-radius: 6px;
border-left: 5px solid #3498db;
display: none; /* Hidden by default */
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #dee2e6;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
font-weight: 600;
color: #444;
}
.result-value {
font-weight: 700;
color: #2c3e50;
}
.result-value.positive {
color: #27ae60;
}
.result-value.negative {
color: #c0392b;
}
.article-content {
margin-top: 40px;
line-height: 1.6;
color: #333;
}
.article-content h3 {
color: #2c3e50;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
margin-top: 30px;
}
.article-content p {
margin-bottom: 15px;
}
.article-content ul {
margin-bottom: 20px;
padding-left: 20px;
}
.article-content li {
margin-bottom: 8px;
}
.highlight-box {
background: #fff3cd;
border: 1px solid #ffeeba;
padding: 15px;
border-radius: 4px;
margin: 20px 0;
}
function calculateRentalROI() {
// Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value);
var downPayment = parseFloat(document.getElementById('downPayment').value);
var interestRate = parseFloat(document.getElementById('interestRate').value);
var loanTerm = parseFloat(document.getElementById('loanTerm').value);
var monthlyRent = parseFloat(document.getElementById('monthlyRent').value);
var annualTaxes = parseFloat(document.getElementById('annualTaxes').value);
var annualInsurance = parseFloat(document.getElementById('annualInsurance').value);
var monthlyMaintenance = parseFloat(document.getElementById('monthlyMaintenance').value);
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value);
// Validation
if (isNaN(price) || isNaN(downPayment) || isNaN(interestRate) || isNaN(monthlyRent)) {
alert("Please enter valid numbers for all fields.");
return;
}
// 1. Mortgage Calculation
var loanAmount = price – downPayment;
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = loanTerm * 12;
var monthlyMortgage = 0;
if (interestRate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else {
monthlyMortgage = loanAmount / numberOfPayments;
}
// 2. Income Calculations
var grossAnnualRent = monthlyRent * 12;
var vacancyLoss = grossAnnualRent * (vacancyRate / 100);
var effectiveGrossIncome = grossAnnualRent – vacancyLoss;
// 3. Expense Calculations
var annualMaintenance = monthlyMaintenance * 12;
var totalOperatingExpenses = annualTaxes + annualInsurance + annualMaintenance;
// 4. ROI Metrics
var noi = effectiveGrossIncome – totalOperatingExpenses;
var annualDebtService = monthlyMortgage * 12;
var annualCashFlow = noi – annualDebtService;
var capRate = (noi / price) * 100;
var cashOnCash = 0;
if (downPayment > 0) {
cashOnCash = (annualCashFlow / downPayment) * 100;
}
// 5. Update UI
var resultBox = document.getElementById('resultsArea');
resultBox.style.display = "block";
// Formatting Helper
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 0,
maximumFractionDigits: 0,
});
document.getElementById('displayNOI').innerText = formatter.format(noi);
document.getElementById('displayMortgage').innerText = formatter.format(monthlyMortgage);
var cashFlowEl = document.getElementById('displayCashFlow');
cashFlowEl.innerText = formatter.format(annualCashFlow);
if(annualCashFlow >= 0) {
cashFlowEl.className = "result-value positive";
} else {
cashFlowEl.className = "result-value negative";
}
document.getElementById('displayCapRate').innerText = capRate.toFixed(2) + "%";
var cocEl = document.getElementById('displayCoC');
cocEl.innerText = cashOnCash.toFixed(2) + "%";
if(cashOnCash >= 0) {
cocEl.className = "result-value positive";
} else {
cocEl.className = "result-value negative";
}
}
Rental Property Cash Flow Calculator
Analyze your real estate investment returns instantly.
Investment Analysis
Net Operating Income (NOI)
–
Monthly Mortgage Payment
–
Annual Cash Flow
–
Cap Rate
–
Cash on Cash Return
–
Understanding Rental Property ROI
Investing in real estate is one of the most powerful ways to build wealth, but simply buying a property and renting it out doesn't guarantee a profit. To be a successful investor, you must understand the numbers behind the deal. This Rental Property Cash Flow Calculator helps you determine if a property is a "deal" or a "dud" by analyzing key metrics like Cash on Cash Return and Cap Rate.
Key Investment Metrics Explained
- Net Operating Income (NOI): This is the total income the property generates annually after all operating expenses (taxes, insurance, maintenance) are paid, but before the mortgage is paid. It is a raw measure of the property's profitability.
- Cap Rate (Capitalization Rate): Calculated as
NOI / Purchase Price. This percentage helps you compare the profitability of different properties regardless of how they are financed. A higher Cap Rate generally indicates a better return, though often with higher risk. - Cash Flow: The money left in your pocket after all expenses and mortgage payments are made. Positive cash flow is essential for long-term sustainability.
- Cash on Cash Return: This measures the return on the actual cash you invested (your down payment and closing costs). It is calculated as
Annual Cash Flow / Total Cash Invested.
Pro Tip: Most seasoned investors look for a Cash on Cash return of at least 8-12% and positive monthly cash flow to account for unexpected repairs or vacancies.
How to Use This Calculator
1. Enter Purchase Details: Input the price of the home and your down payment amount. Ensure your interest rate reflects current market conditions.
2. Input Income & Expenses: Be realistic about rental income. Don't forget to account for a vacancy rate (typically 5-8%) to represent times when the property sits empty between tenants.
3. Analyze the Results: Look at the "Annual Cash Flow" to ensure you aren't losing money every month. Use the Cap Rate to compare this property against others in the market.