.rp-calculator-wrapper {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #fff;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
padding: 0;
overflow: hidden;
}
.rp-calc-header {
background: #2c3e50;
color: #fff;
padding: 20px;
text-align: center;
}
.rp-calc-header h2 {
margin: 0;
font-size: 24px;
}
.rp-calc-body {
padding: 25px;
display: flex;
flex-wrap: wrap;
gap: 30px;
}
.rp-input-section, .rp-result-section {
flex: 1;
min-width: 300px;
}
.rp-group {
margin-bottom: 15px;
}
.rp-group label {
display: block;
font-size: 14px;
font-weight: 600;
margin-bottom: 5px;
color: #333;
}
.rp-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rp-group .input-wrapper {
position: relative;
}
.rp-group .input-icon {
position: absolute;
left: 10px;
top: 50%;
transform: translateY(-50%);
color: #777;
}
.rp-group input.has-icon {
padding-left: 25px;
}
.rp-btn {
width: 100%;
padding: 15px;
background: #27ae60;
color: white;
border: none;
border-radius: 5px;
font-size: 18px;
font-weight: bold;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
}
.rp-btn:hover {
background: #219150;
}
.rp-result-card {
background: #f8f9fa;
border: 1px solid #dee2e6;
border-radius: 6px;
padding: 20px;
margin-bottom: 20px;
}
.rp-result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.rp-result-row:last-child {
border-bottom: none;
}
.rp-result-label {
color: #555;
font-weight: 500;
}
.rp-result-value {
font-weight: bold;
color: #2c3e50;
}
.rp-highlight {
background: #e8f5e9;
border-color: #c8e6c9;
}
.rp-highlight .rp-result-value {
color: #27ae60;
font-size: 1.2em;
}
.rp-content-section {
padding: 25px;
border-top: 1px solid #eee;
background: #fff;
line-height: 1.6;
color: #444;
}
.rp-content-section h3 {
color: #2c3e50;
margin-top: 25px;
}
.rp-content-section ul {
margin-bottom: 20px;
}
.rp-content-section p {
margin-bottom: 15px;
}
@media (max-width: 600px) {
.rp-calc-body {
flex-direction: column;
}
}
Investment Analysis
Monthly Cash Flow
$0.00
Cash on Cash ROI
0.00%
Monthly Income
$0.00
Monthly Mortgage (P&I)
$0.00
Monthly Operating Exp.
$0.00
Total Monthly Expenses
$0.00
Cap Rate
0.00%
NOI (Annual)
$0.00
Total Cash Needed
$0.00
Understanding Rental Property Metrics
Investing in real estate requires precise calculations to ensure profitability. This Rental Property ROI Calculator helps investors analyze potential deals by breaking down income, expenses, and key performance indicators.
Key Metrics Explained
- Cash Flow: This is your profit after all expenses (mortgage, taxes, insurance, maintenance, vacancy) are paid. Positive cash flow is essential for a sustainable investment.
- Cash on Cash ROI: This measures the annual return on the actual cash you invested (down payment + closing costs). A higher percentage indicates your money is working harder for you.
- Cap Rate (Capitalization Rate): This metric evaluates the profitability of a property regardless of financing. It is calculated by dividing the Net Operating Income (NOI) by the property's purchase price.
- Net Operating Income (NOI): The total revenue from the property minus all necessary operating expenses. NOI excludes mortgage payments.
How to Use This Calculator
Enter the Purchase Price and financing details to determine your mortgage payment. Be sure to estimate realistic values for Maintenance, Vacancy, and Capital Expenditures (CapEx). Underestimating these costs is the most common mistake new investors make.
Note: This calculator assumes a standard amortization schedule and estimates expenses based on your inputs. Always verify tax and insurance rates with local professionals.
function calculateRentalROI() {
// 1. Get Input Values
var price = parseFloat(document.getElementById('rpPrice').value) || 0;
var downPct = parseFloat(document.getElementById('rpDown').value) || 0;
var interest = parseFloat(document.getElementById('rpInterest').value) || 0;
var term = parseFloat(document.getElementById('rpTerm').value) || 0;
var rent = parseFloat(document.getElementById('rpRent').value) || 0;
var vacancyPct = parseFloat(document.getElementById('rpVacancy').value) || 0;
var annualMaint = parseFloat(document.getElementById('rpMaint').value) || 0;
var annualTax = parseFloat(document.getElementById('rpTax').value) || 0;
var annualIns = parseFloat(document.getElementById('rpIns').value) || 0;
// 2. Calculate Mortgage (Principal & Interest)
var downPaymentAmt = price * (downPct / 100);
var loanAmount = price – downPaymentAmt;
var monthlyRate = (interest / 100) / 12;
var numPayments = term * 12;
var monthlyMortgage = 0;
if (interest > 0 && term > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else if (interest === 0 && term > 0) {
monthlyMortgage = loanAmount / numPayments;
}
// 3. Calculate Monthly Operating Expenses
var monthlyTax = annualTax / 12;
var monthlyIns = annualIns / 12;
var monthlyMaint = annualMaint / 12;
var monthlyVacancy = rent * (vacancyPct / 100);
// Total Operating Expenses (Excluding Mortgage)
var monthlyOpExp = monthlyTax + monthlyIns + monthlyMaint + monthlyVacancy;
// Total Expenses (Including Mortgage)
var totalMonthlyExp = monthlyOpExp + monthlyMortgage;
// 4. Calculate Key Metrics
var monthlyCashFlow = rent – totalMonthlyExp;
var annualCashFlow = monthlyCashFlow * 12;
// NOI (Net Operating Income) = Annual Rent – Annual Operating Expenses
var annualNOI = (rent * 12) – (monthlyOpExp * 12);
// Cap Rate = (NOI / Price) * 100
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// Cash on Cash ROI = (Annual Cash Flow / Total Cash Invested) * 100
// Total Cash Invested = Down Payment (simplified, ignoring closing costs for this input set)
var cashOnCash = 0;
if (downPaymentAmt > 0) {
cashOnCash = (annualCashFlow / downPaymentAmt) * 100;
}
// 5. Update DOM
document.getElementById('resMortgage').innerText = formatMoney(monthlyMortgage);
document.getElementById('resOpExp').innerText = formatMoney(monthlyOpExp);
document.getElementById('resTotalExp').innerText = formatMoney(totalMonthlyExp);
document.getElementById('resIncome').innerText = formatMoney(rent);
document.getElementById('resCashFlow').innerText = formatMoney(monthlyCashFlow);
document.getElementById('resNOI').innerText = formatMoney(annualNOI);
document.getElementById('resCashNeeded').innerText = formatMoney(downPaymentAmt); // Displaying Down Payment as Cash Needed
document.getElementById('resCoc').innerText = cashOnCash.toFixed(2) + '%';
document.getElementById('resCapRate').innerText = capRate.toFixed(2) + '%';
// Styling for positive/negative cash flow
var cashFlowElem = document.getElementById('resCashFlow');
if(monthlyCashFlow >= 0) {
cashFlowElem.style.color = '#27ae60';
} else {
cashFlowElem.style.color = '#c0392b';
}
}
function formatMoney(amount) {
return '$' + amount.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
// Initial calculation on load
window.onload = function() {
calculateRentalROI();
};