.calc-row { display: flex; flex-wrap: wrap; margin: 0 -10px; }
.calc-col { flex: 1; min-width: 300px; padding: 0 10px; margin-bottom: 20px; }
.calc-input-group { margin-bottom: 15px; }
.calc-input-group label { display: block; margin-bottom: 5px; font-weight: bold; color: #333; }
.calc-input-group input { width: 100%; padding: 10px; border: 1px solid #ddd; border-radius: 4px; box-sizing: border-box; }
.calc-btn { background: #2c3e50; color: white; padding: 12px 24px; border: none; border-radius: 4px; cursor: pointer; width: 100%; font-size: 16px; transition: background 0.3s; }
.calc-btn:hover { background: #34495e; }
.calc-results { background: #fff; padding: 20px; border-radius: 4px; border: 1px solid #eee; margin-top: 20px; }
.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 { color: #666; }
.result-value { font-weight: bold; color: #2c3e50; }
.roi-highlight { color: #27ae60; font-size: 1.2em; }
.seo-content { margin-top: 40px; line-height: 1.6; color: #444; }
.seo-content h2 { color: #2c3e50; margin-top: 30px; }
.seo-content h3 { color: #34495e; margin-top: 20px; }
.seo-content ul { padding-left: 20px; }
function calculateRentalROI() {
// Get inputs
var price = parseFloat(document.getElementById("propPrice").value) || 0;
var downPercent = parseFloat(document.getElementById("downPaymentPercent").value) || 0;
var closingCosts = parseFloat(document.getElementById("closingCosts").value) || 0;
var rate = parseFloat(document.getElementById("interestRate").value) || 0;
var years = parseFloat(document.getElementById("loanTerm").value) || 0;
var rent = parseFloat(document.getElementById("monthlyRent").value) || 0;
var tax = parseFloat(document.getElementById("annualPropTax").value) || 0;
var insurance = parseFloat(document.getElementById("annualInsurance").value) || 0;
var hoa = parseFloat(document.getElementById("monthlyHoa").value) || 0;
var maintenance = parseFloat(document.getElementById("monthlyMaint").value) || 0;
// Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
// Mortgage Calculation (Monthly)
var monthlyRate = (rate / 100) / 12;
var numberOfPayments = years * 12;
var mortgagePayment = 0;
if (rate > 0) {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else {
mortgagePayment = loanAmount / numberOfPayments;
}
// Expenses
var monthlyTax = tax / 12;
var monthlyIns = insurance / 12;
var totalMonthlyExpenses = mortgagePayment + monthlyTax + monthlyIns + hoa + maintenance;
// Cash Flow
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// ROI
var totalInvested = downPaymentAmount + closingCosts;
var cocRoi = 0;
if (totalInvested > 0) {
cocRoi = (annualCashFlow / totalInvested) * 100;
}
// Display Results
document.getElementById("resMortgage").innerText = "$" + mortgagePayment.toFixed(2);
document.getElementById("resTotalExp").innerText = "$" + totalMonthlyExpenses.toFixed(2);
var cfEl = document.getElementById("resCashFlow");
cfEl.innerText = "$" + monthlyCashFlow.toFixed(2);
cfEl.style.color = monthlyCashFlow >= 0 ? "#27ae60" : "#c0392b";
var annualCfEl = document.getElementById("resAnnualCF");
annualCfEl.innerText = "$" + annualCashFlow.toFixed(2);
annualCfEl.style.color = annualCashFlow >= 0 ? "#27ae60" : "#c0392b";
document.getElementById("resTotalInvested").innerText = "$" + totalInvested.toFixed(2);
var roiEl = document.getElementById("resROI");
roiEl.innerText = cocRoi.toFixed(2) + "%";
roiEl.style.color = cocRoi >= 0 ? "#27ae60" : "#c0392b";
document.getElementById("resultsSection").style.display = "block";
}
Rental Property Cash Flow Calculator
Purchase Info
Income & Expenses
Investment Analysis
Monthly Principal & Interest
$0.00
Total Monthly Expenses
$0.00
Monthly Cash Flow
$0.00
Annual Cash Flow
$0.00
Total Cash Invested
$0.00
Cash on Cash ROI
0.00%
Understanding Rental Property Cash Flow
Investing in real estate is one of the most reliable ways to build wealth, but simply buying a property doesn't guarantee a profit. The key to successful real estate investing lies in understanding Cash Flow. This calculator helps investors analyze potential rental properties by determining the monthly income remaining after all expenses are paid.
What is Cash on Cash ROI?
Cash on Cash Return on Investment (ROI) is a critical metric for real estate investors. Unlike a standard ROI which might look at the total value of the asset, Cash on Cash ROI specifically measures the annual return you earn on the actual cash you invested (down payment + closing costs). A higher percentage indicates your money is working harder for you.
How to Calculate Rental Profitability
To accurately analyze a deal, you must account for all expenses, not just the mortgage:
- P&I (Principal & Interest): The monthly debt service to the bank.
- Taxes & Insurance: Fixed annual costs that should be prorated monthly.
- Vacancy & Maintenance: Savvy investors set aside a portion of rent (often 5-10%) for repairs and periods without tenants.
- HOA Fees: Homeowners Association fees can significantly eat into profits if not accounted for.
Example Calculation
Imagine you purchase a property for $250,000 with a 20% down payment ($50,000). If your closing costs are $5,000, your total cash invested is $55,000. If the property generates $300 per month in positive cash flow after all expenses, that equals $3,600 per year.
Your Cash on Cash ROI would be: ($3,600 / $55,000) x 100 = 6.54%.