.calculator-container {
max-width: 800px;
margin: 0 auto;
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
color: #333;
background: #fff;
padding: 20px;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}
.calc-header {
text-align: center;
margin-bottom: 30px;
background-color: #f8f9fa;
padding: 20px;
border-radius: 8px;
}
.calc-header h2 {
margin: 0;
color: #2c3e50;
font-size: 28px;
}
.calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 768px) {
.calc-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 14px;
color: #555;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #007bff;
outline: none;
box-shadow: 0 0 0 3px rgba(0,123,255,0.1);
}
.calc-btn-wrapper {
grid-column: 1 / -1;
text-align: center;
margin-top: 10px;
}
.calc-btn {
background-color: #007bff;
color: white;
border: none;
padding: 15px 40px;
font-size: 18px;
font-weight: bold;
border-radius: 5px;
cursor: pointer;
transition: background-color 0.2s;
}
.calc-btn:hover {
background-color: #0056b3;
}
.results-section {
grid-column: 1 / -1;
background-color: #f1f8ff;
border: 1px solid #b8daff;
border-radius: 8px;
padding: 20px;
margin-top: 20px;
display: none;
}
.results-header {
text-align: center;
font-size: 20px;
font-weight: bold;
margin-bottom: 20px;
color: #004085;
border-bottom: 1px solid #b8daff;
padding-bottom: 10px;
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 12px;
font-size: 16px;
}
.result-row.highlight {
font-weight: bold;
color: #28a745;
font-size: 18px;
border-top: 1px solid #ccc;
padding-top: 10px;
margin-top: 10px;
}
.metric-cards {
display: grid;
grid-template-columns: repeat(3, 1fr);
gap: 15px;
margin-top: 20px;
}
@media (max-width: 600px) {
.metric-cards {
grid-template-columns: 1fr;
}
}
.metric-card {
background: white;
padding: 15px;
text-align: center;
border-radius: 6px;
box-shadow: 0 1px 3px rgba(0,0,0,0.1);
}
.metric-value {
font-size: 24px;
font-weight: bold;
color: #007bff;
margin-bottom: 5px;
}
.metric-label {
font-size: 12px;
text-transform: uppercase;
color: #666;
letter-spacing: 0.5px;
}
.seo-content {
margin-top: 50px;
line-height: 1.6;
}
.seo-content h3 {
color: #2c3e50;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
margin-top: 30px;
}
.seo-content p, .seo-content ul {
font-size: 16px;
color: #444;
}
.seo-content ul {
padding-left: 20px;
}
.seo-content li {
margin-bottom: 10px;
}
function calculateROI() {
// Get inputs
var purchasePrice = parseFloat(document.getElementById("purchasePrice").value) || 0;
var downPayment = parseFloat(document.getElementById("downPayment").value) || 0;
var closingCosts = parseFloat(document.getElementById("closingCosts").value) || 0;
var interestRate = parseFloat(document.getElementById("interestRate").value) || 0;
var loanTerm = parseFloat(document.getElementById("loanTerm").value) || 0;
var monthlyRent = parseFloat(document.getElementById("monthlyRent").value) || 0;
var vacancyRate = parseFloat(document.getElementById("vacancyRate").value) || 0;
var annualTax = parseFloat(document.getElementById("annualTax").value) || 0;
var annualInsurance = parseFloat(document.getElementById("annualInsurance").value) || 0;
var annualMaintenance = parseFloat(document.getElementById("annualMaintenance").value) || 0;
// Calculations
var loanAmount = purchasePrice – downPayment;
var totalCashInvested = downPayment + closingCosts;
// Mortgage Calculation (Monthly P&I)
var monthlyRate = (interestRate / 100) / 12;
var totalPayments = loanTerm * 12;
var monthlyMortgage = 0;
if (loanAmount > 0 && interestRate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, totalPayments)) / (Math.pow(1 + monthlyRate, totalPayments) – 1);
} else if (loanAmount > 0 && interestRate === 0) {
monthlyMortgage = loanAmount / totalPayments;
}
// Monthly Expenses
var monthlyTax = annualTax / 12;
var monthlyInsurance = annualInsurance / 12;
var monthlyMaintenance = annualMaintenance / 12;
var monthlyVacancyCost = monthlyRent * (vacancyRate / 100);
var totalMonthlyOpEx = monthlyTax + monthlyInsurance + monthlyMaintenance + monthlyVacancyCost;
var totalMonthlyOutflow = monthlyMortgage + totalMonthlyOpEx;
// Income Metrics
var monthlyCashFlow = monthlyRent – totalMonthlyOutflow;
var annualCashFlow = monthlyCashFlow * 12;
// NOI (Net Operating Income) = Income – OpEx (excluding mortgage)
var annualNOI = (monthlyRent * 12) – (totalMonthlyOpEx * 12);
// ROI Metrics
var cashOnCash = 0;
if (totalCashInvested > 0) {
cashOnCash = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (purchasePrice > 0) {
capRate = (annualNOI / purchasePrice) * 100;
}
// Format Currency
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 2
});
// Display Results
document.getElementById("resCashOnCash").innerText = cashOnCash.toFixed(2) + "%";
document.getElementById("resCapRate").innerText = capRate.toFixed(2) + "%";
document.getElementById("resMonthlyCashFlow").innerText = formatter.format(monthlyCashFlow);
// Color code cash flow
if(monthlyCashFlow >= 0) {
document.getElementById("resMonthlyCashFlow").style.color = "#28a745";
} else {
document.getElementById("resMonthlyCashFlow").style.color = "#dc3545";
}
document.getElementById("resTotalInvestment").innerText = formatter.format(totalCashInvested);
document.getElementById("resMortgage").innerText = formatter.format(monthlyMortgage);
document.getElementById("resOpEx").innerText = formatter.format(totalMonthlyOpEx);
document.getElementById("resTotalCosts").innerText = formatter.format(totalMonthlyOutflow);
document.getElementById("resAnnualCashFlow").innerText = formatter.format(annualCashFlow);
// Show results div
document.getElementById("resultsSection").style.display = "block";
}
Rental Property ROI Calculator
Analyze cash flow, cap rate, and investment returns specifically for real estate properties.
Investment Analysis
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Cash on Cash Return
0.00%
Cap Rate
$0.00
Monthly Cash Flow
Total Initial Investment (Cash Required):
$0.00
Monthly Mortgage Payment (P&I):
$0.00
Monthly Operating Expenses (Tax, Ins, Maint, Vac):
$0.00
Total Monthly Costs:
$0.00
Annual Cash Flow:
$0.00
How to Calculate Rental Property Returns
Investing in rental real estate requires more than just guessing the rent. To determine if a property is a good deal, investors rely on specific metrics like Cash on Cash Return and Cap Rate. This calculator helps you break down the monthly income against all associated expenses, including mortgage payments, taxes, insurance, and vacancy reserves.
Key Investment Metrics Explained
- Cash on Cash Return (CoC): This measures the annual return on the actual cash you invested (Down Payment + Closing Costs). It is calculated as (Annual Cash Flow / Total Cash Invested) × 100. A CoC above 8-12% is generally considered good in many markets.
- Cap Rate (Capitalization Rate): This metric evaluates the profitability of the property regardless of financing. It is calculated as (Net Operating Income / Purchase Price) × 100. This helps compare properties as if they were bought with all cash.
- Net Operating Income (NOI): This is your total revenue minus all operating expenses (taxes, insurance, maintenance, vacancy), excluding mortgage payments.
- Cash Flow: The net amount of money left in your pocket every month after all expenses and debt service are paid. Positive cash flow is crucial for long-term sustainability.
Why Factor in Vacancy and Maintenance?
Many new investors make the mistake of assuming a property will be rented 100% of the time and will never need repairs. A prudent analysis includes a vacancy rate (typically 5-8%) and a maintenance budget (often 1% of property value annually) to ensure you have reserves when the unexpected happens.