#rental-roi-calculator-wrapper .calc-container {
background: #fdfdfd;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 30px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
#rental-roi-calculator-wrapper h2 {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 24px;
}
#rental-roi-calculator-wrapper .input-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
#rental-roi-calculator-wrapper .input-grid {
grid-template-columns: 1fr;
}
}
#rental-roi-calculator-wrapper .form-group {
margin-bottom: 15px;
}
#rental-roi-calculator-wrapper label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 14px;
color: #555;
}
#rental-roi-calculator-wrapper input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
#rental-roi-calculator-wrapper input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 5px rgba(52,152,219,0.3);
}
#rental-roi-calculator-wrapper .section-title {
grid-column: 1 / -1;
font-size: 18px;
color: #2980b9;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
margin-top: 10px;
margin-bottom: 15px;
}
#rental-roi-calculator-wrapper .calc-btn {
display: block;
width: 100%;
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
margin-top: 20px;
transition: background 0.3s;
}
#rental-roi-calculator-wrapper .calc-btn:hover {
background-color: #219150;
}
#rental-roi-calculator-wrapper .results-box {
background-color: #f8f9fa;
border: 1px solid #ddd;
border-radius: 4px;
padding: 20px;
margin-top: 30px;
display: none;
}
#rental-roi-calculator-wrapper .result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
#rental-roi-calculator-wrapper .result-row:last-child {
border-bottom: none;
}
#rental-roi-calculator-wrapper .result-label {
font-weight: 500;
}
#rental-roi-calculator-wrapper .result-value {
font-weight: 700;
color: #2c3e50;
}
#rental-roi-calculator-wrapper .highlight-positive {
color: #27ae60;
}
#rental-roi-calculator-wrapper .highlight-negative {
color: #c0392b;
}
#rental-roi-calculator-wrapper .article-content {
margin-top: 50px;
line-height: 1.6;
color: #444;
}
#rental-roi-calculator-wrapper .article-content h3 {
color: #2c3e50;
margin-top: 30px;
}
#rental-roi-calculator-wrapper .article-content ul {
padding-left: 20px;
}
#rental-roi-calculator-wrapper .article-content li {
margin-bottom: 10px;
}
function calculateRentalROI() {
// 1. Get Inputs
var price = parseFloat(document.getElementById('purchasePrice').value);
var closingCosts = parseFloat(document.getElementById('closingCosts').value);
var downPercent = parseFloat(document.getElementById('downPaymentPercent').value);
var rate = parseFloat(document.getElementById('interestRate').value);
var years = parseFloat(document.getElementById('loanTerm').value);
var monthlyRent = parseFloat(document.getElementById('monthlyRent').value);
var taxYearly = parseFloat(document.getElementById('propertyTax').value);
var insuranceYearly = parseFloat(document.getElementById('insurance').value);
var hoaMonthly = parseFloat(document.getElementById('hoa').value);
var maintenanceYearly = parseFloat(document.getElementById('maintenance').value);
var vacancyPercent = parseFloat(document.getElementById('vacancy').value);
// Validation
if (isNaN(price) || isNaN(monthlyRent) || price 0) {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else {
mortgagePayment = loanAmount / numPayments;
}
// 4. Calculate Expenses
var monthlyTax = taxYearly / 12;
var monthlyInsurance = insuranceYearly / 12;
var monthlyMaintenance = maintenanceYearly / 12;
var monthlyVacancy = monthlyRent * (vacancyPercent / 100);
// Operating Expenses (Excludes Mortgage) – Used for NOI
var monthlyOperatingExpenses = monthlyTax + monthlyInsurance + hoaMonthly + monthlyMaintenance + monthlyVacancy;
// Total Expenses (Includes Mortgage) – Used for Cash Flow
var totalMonthlyExpenses = monthlyOperatingExpenses + mortgagePayment;
// 5. Calculate Metrics
var noiMonthly = monthlyRent – monthlyOperatingExpenses;
var noiYearly = noiMonthly * 12;
var cashFlowMonthly = monthlyRent – totalMonthlyExpenses;
var cashFlowYearly = cashFlowMonthly * 12;
var capRate = (noiYearly / price) * 100;
var cashOnCash = (cashFlowYearly / totalCashInvested) * 100;
// 6. Formatting Function
function formatCurrency(num) {
return num.toLocaleString('en-US', { style: 'currency', currency: 'USD' });
}
function formatPercent(num) {
return num.toFixed(2) + '%';
}
// 7. Update DOM
document.getElementById('resTotalCash').innerHTML = formatCurrency(totalCashInvested);
document.getElementById('resMortgage').innerHTML = formatCurrency(mortgagePayment);
document.getElementById('resExpenses').innerHTML = formatCurrency(totalMonthlyExpenses);
// Handle NOI
var noiEl = document.getElementById('resNOI');
noiEl.innerHTML = formatCurrency(noiMonthly);
noiEl.className = "result-value " + (noiMonthly >= 0 ? "highlight-positive" : "highlight-negative");
// Handle Cash Flow
var cfEl = document.getElementById('resCashFlow');
cfEl.innerHTML = formatCurrency(cashFlowMonthly);
cfEl.className = "result-value " + (cashFlowMonthly >= 0 ? "highlight-positive" : "highlight-negative");
// Handle Cap Rate & ROI
document.getElementById('resCapRate').innerHTML = formatPercent(capRate);
var roiEl = document.getElementById('resROI');
roiEl.innerHTML = formatPercent(cashOnCash);
roiEl.className = "result-value " + (cashOnCash >= 0 ? "highlight-positive" : "highlight-negative");
// Show results
document.getElementById('results').style.display = 'block';
}
Rental Property Cash Flow & ROI Calculator
Purchase Information
Income & Expenses
Analysis Results
Total Cash Needed (Down + Closing):
Monthly Mortgage P&I:
Total Monthly Expenses:
Net Operating Income (Monthly):
Monthly Cash Flow:
Cap Rate:
Cash on Cash ROI:
Understanding Your Rental Property Investment
Investing in real estate is one of the most reliable ways to build wealth, but simply buying a property doesn't guarantee a profit. To be a successful investor, you must analyze the numbers rigorously. This Rental Property ROI Calculator helps you determine the viability of a potential investment by breaking down cash flow, capitalization rate (Cap Rate), and Cash on Cash Return.
Key Metrics Explained
1. Monthly Cash Flow
This is the profit you take home each month after all operating expenses and mortgage payments are made. Positive cash flow is essential for long-term sustainability. It is calculated as:
Cash Flow = Total Rental Income – (Mortgage Payment + Taxes + Insurance + HOA + Maintenance + Vacancy Reserves)
2. Cash on Cash ROI (Return on Investment)
This metric measures the annual return you are making on the actual cash you invested (down payment plus closing costs). Unlike the Cap Rate, this takes debt service into account.
Formula: (Annual Cash Flow / Total Cash Invested) × 100%.
A "good" Cash on Cash return is subjective, but many investors look for 8-12% or higher.
3. Capitalization Rate (Cap Rate)
Cap Rate measures the property's natural rate of return assuming you bought it with all cash (no loan). It allows you to compare the profitability of different properties regardless of financing.
Formula: (Net Operating Income / Purchase Price) × 100%.
How to Use This Calculator
To get the most accurate results, ensure you are estimating expenses conservatively:
- Vacancy Rate: Always budget for vacancy. 5% represents roughly 18 days vacant per year, while 8.3% represents one month.
- Maintenance: Even if a house is new, things break. Budgeting 1% of the property value or 10% of rent annually is a standard safe practice.
- Closing Costs: Don't forget the upfront costs to buy the property, usually 2-5% of the purchase price.
Use these insights to negotiate a better purchase price or to decide if you should walk away from a deal.