.coc-calc-box {
background: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 30px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.coc-calc-title {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 24px;
font-weight: 700;
}
.coc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.coc-grid {
grid-template-columns: 1fr;
}
}
.coc-input-group {
margin-bottom: 15px;
}
.coc-input-group label {
display: block;
margin-bottom: 8px;
color: #555;
font-weight: 600;
font-size: 14px;
}
.coc-input-group input, .coc-input-group select {
width: 100%;
padding: 12px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box; /* Important for padding */
}
.coc-input-group input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 5px rgba(52,152,219,0.3);
}
.coc-btn-container {
text-align: center;
margin-top: 20px;
grid-column: 1 / -1;
}
.coc-calc-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
border-radius: 5px;
cursor: pointer;
transition: background 0.3s;
font-weight: bold;
}
.coc-calc-btn:hover {
background-color: #219150;
}
.coc-results-box {
margin-top: 30px;
padding: 20px;
background-color: #fff;
border-left: 5px solid #3498db;
display: none; /* Hidden by default */
}
.coc-result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
.coc-result-row:last-child {
border-bottom: none;
}
.coc-result-label {
color: #7f8c8d;
font-weight: 500;
}
.coc-result-value {
font-weight: 700;
color: #2c3e50;
font-size: 18px;
}
.coc-main-result {
text-align: center;
background-color: #ecf0f1;
padding: 20px;
margin-top: 15px;
border-radius: 6px;
}
.coc-main-result-label {
font-size: 16px;
color: #7f8c8d;
text-transform: uppercase;
letter-spacing: 1px;
}
.coc-main-result-value {
font-size: 36px;
color: #2980b9;
font-weight: 800;
margin-top: 5px;
}
.coc-error {
color: #e74c3c;
text-align: center;
margin-top: 10px;
display: none;
}
function calculateCoC() {
// Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value);
var downPercent = parseFloat(document.getElementById('downPaymentPercent').value);
var closing = parseFloat(document.getElementById('closingCosts').value);
var rent = parseFloat(document.getElementById('monthlyRent').value);
var rate = parseFloat(document.getElementById('interestRate').value);
var years = parseFloat(document.getElementById('loanTerm').value);
var expenses = parseFloat(document.getElementById('monthlyExpenses').value);
// Error Handling / Defaults
if (isNaN(price) || isNaN(rent) || isNaN(rate)) {
document.getElementById('cocError').style.display = 'block';
document.getElementById('cocResults').style.display = 'none';
return;
}
document.getElementById('cocError').style.display = 'none';
// Handle optional inputs defaulting to 0
if (isNaN(closing)) closing = 0;
if (isNaN(expenses)) expenses = 0;
if (isNaN(downPercent)) downPercent = 20;
// 1. Calculate Mortgage Payment
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
var monthlyRate = (rate / 100) / 12;
var numPayments = years * 12;
// Mortgage Formula: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]
var mortgagePayment = 0;
if (rate > 0) {
mortgagePayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else {
mortgagePayment = loanAmount / numPayments;
}
// 2. Calculate Cash Invested (Denominator)
var totalInvested = downPaymentAmount + closing;
// 3. Calculate Monthly Cash Flow (Numerator basis)
var totalMonthlyExpenses = mortgagePayment + expenses;
var monthlyCashFlow = rent – totalMonthlyExpenses;
// 4. Calculate Annual Cash Flow
var annualCashFlow = monthlyCashFlow * 12;
// 5. Calculate Cash on Cash Return
var cocReturn = 0;
if (totalInvested > 0) {
cocReturn = (annualCashFlow / totalInvested) * 100;
}
// Display Results
document.getElementById('resTotalInvested').innerText = formatMoney(totalInvested);
document.getElementById('resMortgage').innerText = formatMoney(mortgagePayment);
document.getElementById('resTotalExp').innerText = formatMoney(totalMonthlyExpenses);
document.getElementById('resMonthlyCashFlow').innerText = formatMoney(monthlyCashFlow);
document.getElementById('resAnnualCashFlow').innerText = formatMoney(annualCashFlow);
var cocElement = document.getElementById('resCoC');
cocElement.innerText = cocReturn.toFixed(2) + "%";
// Color coding for negative flow
if (cocReturn < 0) {
cocElement.style.color = "#c0392b";
} else {
cocElement.style.color = "#27ae60";
}
document.getElementById('cocResults').style.display = 'block';
}
function formatMoney(amount) {
return "$" + amount.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
Rental Property Cash on Cash Return Calculator
30 Years
15 Years
20 Years
10 Years
Please enter valid numerical values for Price, Rent, and Interest Rate.
Total Cash Invested:
$0.00
Monthly Mortgage Payment:
$0.00
Total Monthly Expenses:
$0.00
Monthly Cash Flow:
$0.00
Annual Cash Flow:
$0.00
Cash on Cash Return
0.00%
How to Calculate Cash on Cash Return for Rental Properties
Understanding the Cash on Cash (CoC) Return is vital for real estate investors. Unlike generic ROI, which might look at the total value of the asset, CoC Return focuses specifically on the money you actually put into the deal. It answers the question: "For every dollar I invested in cash, how much am I getting back this year?"
The Cash on Cash Return Formula
The calculation is relatively straightforward but requires accurate expense tracking:
Cash on Cash Return (%) = (Annual Pre-Tax Cash Flow / Total Cash Invested) x 100
1. Annual Pre-Tax Cash Flow
This is your net income from the property after all debts and operating expenses are paid, but before income taxes.
Calculation: (Monthly Rent – Mortgage Payment – Taxes – Insurance – Maintenance – Vacancy) × 12.
2. Total Cash Invested
This is the actual cash required to close the deal and get the property rent-ready. It typically includes:
- Down Payment
- Closing Costs (loan fees, title insurance, recording fees)
- Immediate Repair/Rehab Costs
Real-World Example
Let's say you buy a property for $200,000 using the inputs in the calculator above:
- Down Payment (20%): $40,000
- Closing/Rehab Costs: $5,000
- Total Cash Invested: $45,000
If your rental income is $2,000/month and your total expenses (mortgage + operations) are $1,600/month, your monthly cash flow is $400.
- Annual Cash Flow: $400 × 12 = $4,800
- CoC Return: ($4,800 / $45,000) × 100 = 10.66%
What is a Good Cash on Cash Return?
While targets vary by market and investor strategy, a CoC return between 8% and 12% is generally considered solid for long-term residential rentals. Investors seeking high cash flow might target 15%+, while those banking on appreciation might accept lower immediate returns.