#roi-calc-container {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif;
max-width: 900px;
margin: 20px auto;
padding: 25px;
border: 1px solid #e1e1e1;
border-radius: 8px;
background-color: #ffffff;
color: #333;
line-height: 1.6;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
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.calc-grid {
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gap: 30px;
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@media (max-width: 768px) {
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padding: 12px 20px;
border-radius: 4px;
cursor: pointer;
font-size: 16px;
font-weight: 600;
width: 100%;
transition: background-color 0.2s;
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.calc-button:hover {
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Rental Property ROI & Cash Flow Calculator
Financial Summary
Monthly Mortgage (P&I)
$0.00
Total Monthly Expenses
$0.00
Monthly Cash Flow
$0.00
Annual Cash Flow
$0.00
Cap Rate
0.00%
Cash on Cash Return
0.00%
Total Cash Invested
$0.00
Understanding Rental Property ROI
Investing in real estate is one of the most proven paths to wealth, but success relies on accurate math rather than intuition. A Rental Property ROI Calculator helps investors determine if a specific property will put money in their pocket or become a financial drain.
The "Big Three" Metrics for Real Estate
- Monthly Cash Flow: This is the net amount of cash left over after all bills are paid. Positive cash flow is essential for building a sustainable portfolio.
- Cap Rate (Capitalization Rate): Calculated as Net Operating Income (NOI) divided by the Purchase Price. It allows you to compare different properties regardless of how they are financed.
- Cash on Cash Return (CoC): This measures the annual return on the actual cash you invested (your down payment and closing costs). Many investors aim for 8-12% CoC.
Realistic Example: The $300,000 Single Family Home
Let's look at a typical investment scenario using our calculator:
- Purchase Price: $300,000 with a 20% down payment ($60,000).
- Income: Monthly rent of $2,500.
- Expenses: With a 6.5% interest rate, your mortgage (P&I) is roughly $1,517. After adding taxes ($300/mo), insurance ($100/mo), and a 10% reserve for maintenance/vacancy ($250/mo), your total expenses are $2,167.
- Outcome: Your monthly cash flow is $333. Your Cash on Cash return would be approximately 6.6%.
Common Expenses Investors Often Forget
To get the most accurate ROI, don't forget to factor in:
- Property Management: Usually 8-10% of monthly rent.
- Capital Expenditures (CapEx): Large future repairs like a new roof or HVAC system.
- Leasing Fees: The cost of finding a new tenant (often half or one full month's rent).
function calculateRentalROI() {
// Inputs
var price = parseFloat(document.getElementById('purchasePrice').value) || 0;
var downPercent = parseFloat(document.getElementById('downPayment').value) || 0;
var interestRate = parseFloat(document.getElementById('interestRate').value) || 0;
var rent = parseFloat(document.getElementById('monthlyRent').value) || 0;
var taxes = parseFloat(document.getElementById('annualTaxes').value) || 0;
var insurance = parseFloat(document.getElementById('annualInsurance').value) || 0;
var maintRate = parseFloat(document.getElementById('maintRate').value) || 0;
// Loan Math
var downAmount = price * (downPercent / 100);
var loanAmount = price – downAmount;
var monthlyRate = (interestRate / 100) / 12;
var numPayments = 30 * 12; // Assuming 30 year fixed
var monthlyMortgage = 0;
if (monthlyRate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else {
monthlyMortgage = loanAmount / numPayments;
}
// Monthly Expenses
var monthlyTaxes = taxes / 12;
var monthlyIns = insurance / 12;
var monthlyMaint = rent * (maintRate / 100);
var totalExpenses = monthlyMortgage + monthlyTaxes + monthlyIns + monthlyMaint;
// Income Math
var monthlyCashFlow = rent – totalExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// NOI (Net Operating Income) – Excludes Mortgage
var annualRent = rent * 12;
var annualOpEx = taxes + insurance + (monthlyMaint * 12);
var noi = annualRent – annualOpEx;
// Metrics
var capRate = (noi / price) * 100;
var cashOnCash = (annualCashFlow / downAmount) * 100;
// Formatting
function formatCurrency(val) {
return '$' + val.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
}
// Output Results
document.getElementById('resMortgage').innerText = formatCurrency(monthlyMortgage);
document.getElementById('resExpenses').innerText = formatCurrency(totalExpenses);
document.getElementById('resCashFlow').innerText = formatCurrency(monthlyCashFlow);
document.getElementById('resAnnualCash').innerText = formatCurrency(annualCashFlow);
document.getElementById('resCapRate').innerText = capRate.toFixed(2) + '%';
document.getElementById('resCoC').innerText = cashOnCash.toFixed(2) + '%';
document.getElementById('resTotalInvested').innerText = formatCurrency(downAmount);
// Color coding cash flow
if (monthlyCashFlow < 0) {
document.getElementById('resCashFlow').style.color = '#d63638';
} else {
document.getElementById('resCashFlow').style.color = '#21ba45';
}
}
// Initial calculation
calculateRentalROI();