.calculator-wrapper {
max-width: 800px;
margin: 0 auto;
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
color: #333;
line-height: 1.6;
}
.calc-container {
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-title {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 28px;
font-weight: 700;
}
.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: 14px;
color: #495057;
}
.input-group input {
width: 100%;
padding: 12px;
border: 1px solid #ced4da;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
transition: border-color 0.2s;
}
.input-group input:focus {
border-color: #2ecc71;
outline: none;
box-shadow: 0 0 0 3px rgba(46, 204, 113, 0.2);
}
.calc-btn {
grid-column: 1 / -1;
background-color: #2ecc71;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
width: 100%;
margin-top: 10px;
transition: background-color 0.3s;
}
.calc-btn:hover {
background-color: #27ae60;
}
.results-box {
grid-column: 1 / -1;
background: #fff;
padding: 20px;
border-radius: 6px;
margin-top: 20px;
border-left: 5px solid #2ecc71;
display: none;
}
.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: 600;
color: #555;
}
.result-value {
font-weight: bold;
font-size: 18px;
color: #2c3e50;
}
.result-value.positive {
color: #27ae60;
}
.result-value.negative {
color: #e74c3c;
}
.seo-content h2 {
color: #2c3e50;
margin-top: 30px;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
}
.seo-content h3 {
color: #34495e;
margin-top: 25px;
}
.seo-content ul {
padding-left: 20px;
}
.seo-content li {
margin-bottom: 10px;
}
.input-symbol {
position: relative;
}
.input-symbol input {
padding-left: 25px;
}
.input-symbol span {
position: absolute;
left: 10px;
top: 12px;
color: #777;
}
function calculateRentalROI() {
// 1. Get Input Values
var price = parseFloat(document.getElementById('prop_price').value);
var downPercent = parseFloat(document.getElementById('down_payment').value);
var interestRate = parseFloat(document.getElementById('interest_rate').value);
var termYears = parseFloat(document.getElementById('loan_term').value);
var monthlyRent = parseFloat(document.getElementById('monthly_rent').value);
var annualTax = parseFloat(document.getElementById('annual_tax').value);
var annualIns = parseFloat(document.getElementById('annual_insurance').value);
var monthlyMaint = parseFloat(document.getElementById('monthly_costs').value);
// Validation
if (isNaN(price) || isNaN(downPercent) || isNaN(interestRate) || isNaN(termYears) || isNaN(monthlyRent)) {
alert("Please fill in all required fields with valid numbers.");
return;
}
// Defaults for optional fields if empty
if (isNaN(annualTax)) annualTax = 0;
if (isNaN(annualIns)) annualIns = 0;
if (isNaN(monthlyMaint)) monthlyMaint = 0;
// 2. Calculate Mortgage (Principal & Interest)
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = termYears * 12;
var monthlyMortgage = 0;
if (interestRate === 0) {
monthlyMortgage = loanAmount / numberOfPayments;
} else {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
}
// 3. Calculate Expenses
var monthlyTax = annualTax / 12;
var monthlyIns = annualIns / 12;
var totalMonthlyExpenses = monthlyMortgage + monthlyTax + monthlyIns + monthlyMaint;
// 4. Calculate Cash Flow
var monthlyCashFlow = monthlyRent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// 5. Calculate Cash on Cash ROI
// ROI = Annual Cash Flow / Total Cash Invested (Down Payment)
// Note: Simplification excluding closing costs for general usage, but could be added.
var investedCapital = downPaymentAmount;
var roiPercent = 0;
if (investedCapital > 0) {
roiPercent = (annualCashFlow / investedCapital) * 100;
}
// 6. Display Results
document.getElementById('roi_results').style.display = 'block';
document.getElementById('res_mortgage').innerText = "$" + monthlyMortgage.toFixed(2);
document.getElementById('res_expenses').innerText = "$" + totalMonthlyExpenses.toFixed(2);
var cashFlowEl = document.getElementById('res_cashflow');
cashFlowEl.innerText = "$" + monthlyCashFlow.toFixed(2);
if(monthlyCashFlow >= 0) {
cashFlowEl.className = "result-value positive";
} else {
cashFlowEl.className = "result-value negative";
}
var annualEl = document.getElementById('res_annual');
annualEl.innerText = "$" + annualCashFlow.toFixed(2);
if(annualCashFlow >= 0) {
annualEl.className = "result-value positive";
} else {
annualEl.className = "result-value negative";
}
var roiEl = document.getElementById('res_roi');
roiEl.innerText = roiPercent.toFixed(2) + "%";
if(roiPercent >= 0) {
roiEl.className = "result-value positive";
} else {
roiEl.className = "result-value negative";
}
}
Rental Property ROI Calculator
$
$
$
$
$
Monthly Mortgage (P&I):
$0.00
Total Monthly Expenses:
$0.00
Net Monthly Cash Flow:
$0.00
Annual Cash Flow:
$0.00
Cash on Cash ROI:
0.00%
Understanding Rental Property ROI and Cash Flow
Investing in real estate is one of the most reliable ways to build wealth, but not every property is a good deal. To succeed as a real estate investor, you must rely on hard data rather than intuition. This Rental Property ROI Calculator is designed to help you analyze the profitability of a potential investment by breaking down income, expenses, and returns.
What is Cash Flow?
Cash flow is the net amount of money moving in and out of your rental business each month. It is calculated by subtracting your total monthly expenses (mortgage, taxes, insurance, maintenance) from your total monthly rental income.
- Positive Cash Flow: You are earning a profit every month after paying all bills.
- Negative Cash Flow: The property costs you money to hold every month. This is generally risky unless there is significant appreciation potential.
What is Cash on Cash Return (ROI)?
Cash on Cash Return is a metric used to calculate the cash income earned on the cash invested in a property. Unlike a standard Return on Investment (ROI) which might look at the total loan value, Cash on Cash focuses strictly on the actual money you put into the deal (typically the down payment and closing costs).
Formula: Annual Pre-Tax Cash Flow / Total Cash Invested
For example, if you invest $50,000 as a down payment and the property generates $5,000 in net annual cash flow, your Cash on Cash ROI is 10%. This metric allows you to compare real estate returns directly against other investment vehicles like stocks or bonds.
Key Factors Affecting Your Profitability
When using this calculator, ensure you account for all "hidden" costs to get an accurate result:
- Vacancy Rate: Properties don't stay rented 100% of the time. It is wise to budget for 5-10% vacancy.
- Maintenance & CapEx: Roofs leak and water heaters break. Setting aside 10-15% of rent for repairs ensures your cash flow calculation remains realistic over the long term.
- Property Management: If you don't plan to be a landlord yourself, account for property management fees, which typically range from 8% to 12% of monthly rent.
Use this tool to run multiple scenarios—adjusting the purchase price, rent estimates, and interest rates—to find the "sweet spot" where an investment makes financial sense.