#rental-roi-calculator-container {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
color: #333;
line-height: 1.6;
}
.roi-calculator-card {
background: #ffffff;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 30px;
box-shadow: 0 4px 12px rgba(0,0,0,0.05);
margin-bottom: 40px;
}
.roi-calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
.roi-input-group {
margin-bottom: 15px;
}
.roi-input-group label {
display: block;
font-weight: 600;
margin-bottom: 5px;
font-size: 0.95em;
color: #2c3e50;
}
.roi-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.roi-input-group input:focus {
border-color: #3498db;
outline: none;
}
.roi-section-title {
grid-column: 1 / -1;
margin-top: 10px;
margin-bottom: 15px;
font-size: 1.1em;
color: #2980b9;
border-bottom: 2px solid #f0f2f5;
padding-bottom: 5px;
}
.roi-btn {
grid-column: 1 / -1;
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 5px;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
}
.roi-btn:hover {
background-color: #219150;
}
.roi-results {
grid-column: 1 / -1;
background-color: #f8f9fa;
padding: 20px;
border-radius: 6px;
border-left: 5px solid #27ae60;
margin-top: 20px;
display: none;
}
.roi-result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
font-size: 1.1em;
}
.roi-result-row.highlight {
font-weight: bold;
color: #27ae60;
font-size: 1.3em;
border-top: 1px solid #ddd;
padding-top: 10px;
margin-top: 10px;
}
@media (max-width: 600px) {
.roi-calc-grid {
grid-template-columns: 1fr;
}
}
.roi-article h2 {
color: #2c3e50;
margin-top: 30px;
}
.roi-article h3 {
color: #34495e;
margin-top: 25px;
}
.roi-article ul {
padding-left: 20px;
}
.roi-article li {
margin-bottom: 10px;
}
function calculateRentalROI() {
// Get inputs
var purchasePrice = parseFloat(document.getElementById('purchasePrice').value);
var downPayment = parseFloat(document.getElementById('downPayment').value);
var closingCosts = parseFloat(document.getElementById('closingCosts').value);
var rehabCosts = parseFloat(document.getElementById('rehabCosts').value);
var interestRate = parseFloat(document.getElementById('interestRate').value);
var loanTerm = parseFloat(document.getElementById('loanTerm').value);
var monthlyRent = parseFloat(document.getElementById('monthlyRent').value);
var otherExpenses = parseFloat(document.getElementById('otherExpenses').value);
// Validation
if (isNaN(purchasePrice) || isNaN(downPayment) || isNaN(monthlyRent)) {
alert("Please enter valid numbers for Price, Down Payment, and Rent.");
return;
}
// Default 0 for optional fields if empty
if (isNaN(closingCosts)) closingCosts = 0;
if (isNaN(rehabCosts)) rehabCosts = 0;
if (isNaN(otherExpenses)) otherExpenses = 0;
if (isNaN(interestRate)) interestRate = 0;
if (isNaN(loanTerm)) loanTerm = 30;
// 1. Calculate Total Cash Invested
var totalCashInvested = downPayment + closingCosts + rehabCosts;
// 2. Calculate Mortgage Payment
var loanAmount = purchasePrice – downPayment;
var monthlyMortgage = 0;
if (loanAmount > 0 && interestRate > 0) {
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = loanTerm * 12;
// Formula: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
}
// 3. Calculate Cash Flow
var totalMonthlyExpenses = monthlyMortgage + otherExpenses;
var monthlyCashFlow = monthlyRent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// 4. Calculate Cash on Cash Return
var cocReturn = 0;
if (totalCashInvested > 0) {
cocReturn = (annualCashFlow / totalCashInvested) * 100;
}
// Display Results
document.getElementById('displayTotalCash').innerText = '$' + totalCashInvested.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('displayMortgage').innerText = '$' + monthlyMortgage.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
var displayMonthlyEl = document.getElementById('displayMonthlyCashFlow');
displayMonthlyEl.innerText = '$' + monthlyCashFlow.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
displayMonthlyEl.style.color = monthlyCashFlow >= 0 ? '#27ae60' : '#c0392b';
var displayAnnualEl = document.getElementById('displayAnnualCashFlow');
displayAnnualEl.innerText = '$' + annualCashFlow.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
displayAnnualEl.style.color = annualCashFlow >= 0 ? '#27ae60' : '#c0392b';
var displayCocEl = document.getElementById('displayCOC');
displayCocEl.innerText = cocReturn.toFixed(2) + '%';
displayCocEl.style.color = cocReturn >= 0 ? '#27ae60' : '#c0392b';
// Show results section
document.getElementById('roiResult').style.display = 'block';
}
Rental Property Cash on Cash Return Calculator
Purchase Details
Loan Details
Monthly Income & Expenses
(Taxes, Insurance, HOA, Vacancy, Repairs)
Total Cash Invested:
$0.00
Monthly Mortgage Payment:
$0.00
Monthly Cash Flow:
$0.00
Annual Cash Flow:
$0.00
Cash on Cash Return:
0.00%
Understanding Cash on Cash Return in Real Estate
Cash on Cash (CoC) Return is one of the most important metrics for real estate investors. Unlike generic Return on Investment (ROI), CoC specifically measures the annual return the investor made on the property in relation to the amount of mortgage paid during the same year. It effectively tells you how hard your actual cash investment is working for you.
How is Cash on Cash Return Calculated?
The formula for Cash on Cash Return is straightforward but requires accurate inputs regarding your income, expenses, and financing.
Cash on Cash Return = (Annual Pre-Tax Cash Flow / Total Cash Invested) × 100%
To use this calculator effectively, you need to understand the two main components:
- Annual Cash Flow: This is your Gross Rent minus all expenses (Mortgage, Taxes, Insurance, HOA, Maintenance, CapEx, Vacancy).
- Total Cash Invested: This is the total liquid cash you spent to acquire the property. It includes your Down Payment, Closing Costs, and immediate Repair/Rehab costs.
Why exclude the loan amount?
Cash on Cash return ignores the total price of the property and focuses solely on the money that came out of your pocket. This makes it an excellent metric for comparing the performance of rental properties financed with leverage against other investments like stocks or bonds.
What is a "Good" Cash on Cash Return?
While target returns vary by investor strategy and market location, here are general benchmarks for residential real estate:
- 8-12%: Generally considered a solid return in stable markets.
- 15%+: Considered an excellent return, often found in riskier markets or through "value-add" strategies like BRRRR (Buy, Rehab, Rent, Refinance, Repeat).
- Below 5%: Usually indicates the property may not be cash-flowing well, or it is an appreciation play rather than a cash flow play.
Example Calculation
Imagine you buy a rental property for $200,000.
- You put 20% down ($40,000) and pay $5,000 in closing costs. Total Invested: $45,000.
- After paying the mortgage and all expenses, the property generates $300 per month in net profit.
- Annual Cash Flow = $300 × 12 = $3,600.
- CoC Return = ($3,600 / $45,000) = 8.0%.
Use the calculator above to run the numbers on your potential deals to ensure they meet your investment criteria before making an offer.