.rental-roi-calculator-wrapper {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
color: #333;
line-height: 1.6;
}
.calc-container {
background: #f9fbfd;
border: 1px solid #e1e4e8;
border-radius: 8px;
padding: 30px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
margin-bottom: 40px;
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.calc-grid {
grid-template-columns: 1fr;
}
}
.calc-group {
margin-bottom: 15px;
}
.calc-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 14px;
color: #2c3e50;
}
.calc-group input {
width: 100%;
padding: 10px 12px;
border: 1px solid #d1d5db;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
transition: border-color 0.2s;
}
.calc-group input:focus {
border-color: #3b82f6;
outline: none;
box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.1);
}
.calc-section-title {
grid-column: 1 / -1;
font-size: 18px;
font-weight: 700;
margin-top: 10px;
margin-bottom: 10px;
color: #1f2937;
border-bottom: 2px solid #e5e7eb;
padding-bottom: 5px;
}
.calc-btn {
grid-column: 1 / -1;
background-color: #10b981;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 6px;
cursor: pointer;
width: 100%;
margin-top: 10px;
transition: background-color 0.2s;
}
.calc-btn:hover {
background-color: #059669;
}
#calc-results {
grid-column: 1 / -1;
background-color: #fff;
border: 1px solid #e5e7eb;
border-radius: 6px;
padding: 20px;
margin-top: 20px;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #f3f4f6;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
color: #6b7280;
}
.result-value {
font-weight: 700;
color: #111827;
}
.result-highlight {
background-color: #ecfdf5;
padding: 15px;
border-radius: 6px;
margin-top: 15px;
text-align: center;
}
.result-highlight .result-label {
color: #047857;
font-size: 14px;
text-transform: uppercase;
letter-spacing: 1px;
}
.result-highlight .result-value {
color: #059669;
font-size: 32px;
margin-top: 5px;
}
.content-section h2 {
color: #111827;
margin-top: 40px;
font-size: 24px;
}
.content-section p {
margin-bottom: 15px;
color: #4b5563;
}
.content-section ul {
margin-bottom: 20px;
padding-left: 20px;
color: #4b5563;
}
.content-section li {
margin-bottom: 8px;
}
function calculateRentalROI() {
// Get inputs
var price = parseFloat(document.getElementById("prop-price").value) || 0;
var closingCosts = parseFloat(document.getElementById("prop-closing").value) || 0;
var downPercent = parseFloat(document.getElementById("prop-down").value) || 0;
var rate = parseFloat(document.getElementById("prop-rate").value) || 0;
var term = parseFloat(document.getElementById("prop-term").value) || 0;
var rent = parseFloat(document.getElementById("prop-rent").value) || 0;
var expenses = parseFloat(document.getElementById("prop-exp").value) || 0;
// Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
var totalCashInvested = downPaymentAmount + closingCosts;
// Mortgage Calculation
var monthlyMortgage = 0;
if (loanAmount > 0) {
var monthlyRate = (rate / 100) / 12;
var numberOfPayments = term * 12;
if (rate === 0) {
monthlyMortgage = loanAmount / numberOfPayments;
} else {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
}
}
var totalMonthlyExpenses = monthlyMortgage + expenses;
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
var cocReturn = 0;
if (totalCashInvested > 0) {
cocReturn = (annualCashFlow / totalCashInvested) * 100;
}
// Formatting
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 0,
maximumFractionDigits: 0,
});
// Display Results
document.getElementById("res-cash-needed").innerHTML = formatter.format(totalCashInvested);
document.getElementById("res-mortgage").innerHTML = formatter.format(monthlyMortgage);
document.getElementById("res-total-cost").innerHTML = formatter.format(totalMonthlyExpenses);
var flowEl = document.getElementById("res-monthly-flow");
flowEl.innerHTML = formatter.format(monthlyCashFlow);
flowEl.style.color = monthlyCashFlow >= 0 ? "#059669" : "#dc2626";
var cocEl = document.getElementById("res-coc");
cocEl.innerHTML = cocReturn.toFixed(2) + "%";
cocEl.style.color = cocReturn >= 0 ? "#059669" : "#dc2626";
document.getElementById("calc-results").style.display = "block";
}
Rental Property ROI Calculator
Purchase Info
Loan Details
Income & Expenses (Monthly)
(Taxes, Insurance, HOA, Maintenance, Vacancy)
Total Cash Needed (Upfront)
–
Monthly Mortgage Payment
–
Total Monthly Costs
–
Monthly Cash Flow
–
Cash on Cash Return (ROI)
–
Understanding Rental Property ROI
Investing in real estate is a powerful way to build wealth, but not every property is a good deal. To ensure profitability, investors must analyze the numbers before signing a contract. Our Rental Property ROI Calculator focuses on the most critical metric for rental investors: Cash on Cash Return.
How is Cash on Cash Return Calculated?
Cash on Cash (CoC) return measures the annual cash income earned on the property against the total cash invested. Unlike simple ROI, which might look at total potential appreciation, CoC focuses on the liquidity and immediate performance of your asset.
The formula used in this calculator is:
Cash on Cash Return = (Annual Pre-Tax Cash Flow / Total Cash Invested) × 100%
- Annual Cash Flow: This is your monthly rent minus all expenses (mortgage, taxes, insurance, repairs, vacancy) multiplied by 12.
- Total Cash Invested: This includes your down payment, closing costs, and any immediate renovation costs.
Key Metrics Explained
To get the most accurate results from the calculator, ensure you understand the inputs:
- Closing Costs: Often overlooked, these range from 2% to 5% of the purchase price and include title insurance, recording fees, and loan origination fees.
- Total Monthly Expenses: Do not just list the mortgage. You must account for Property Taxes, Landlord Insurance, HOA fees, Maintenance reserves (usually 5-10% of rent), and Vacancy rates.
- Monthly Cash Flow: A positive number means the property pays for itself and generates income. A negative number means you are losing money every month to hold the asset.
What is a Good ROI for Rental Property?
While "good" is subjective based on your investment strategy and the local market, general benchmarks include:
- 8-12%: Generally considered a solid return for long-term buy-and-hold investments in stable markets.
- 15%+: Considered an excellent return, often found in higher-risk neighborhoods or through aggressive value-add strategies (renovating distressed properties).
- Under 5%: Might be acceptable if the property is in a high-appreciation area (like coastal cities), where the long-term equity growth outweighs the low immediate cash flow.
Use this calculator to test different scenarios, such as increasing the rent, lowering the purchase price, or adjusting your down payment to see how it affects your bottom line.