.calculator-container {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #fff;
padding: 20px;
border: 1px solid #e0e0e0;
border-radius: 8px;
}
.calc-header {
text-align: center;
margin-bottom: 30px;
}
.calc-header h2 {
margin: 0;
color: #2c3e50;
font-size: 28px;
}
.calc-header p {
color: #7f8c8d;
font-size: 16px;
}
.input-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.input-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #34495e;
font-size: 14px;
}
.input-group input {
width: 100%;
padding: 10px;
border: 1px solid #bdc3c7;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 5px rgba(52,152,219,0.3);
}
.section-title {
grid-column: 1 / -1;
font-size: 18px;
color: #2980b9;
margin-top: 10px;
margin-bottom: 10px;
border-bottom: 2px solid #ecf0f1;
padding-bottom: 5px;
}
.calc-btn {
grid-column: 1 / -1;
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
transition: background 0.3s;
margin-top: 10px;
}
.calc-btn:hover {
background-color: #219150;
}
.results-area {
margin-top: 30px;
background-color: #f8f9fa;
padding: 20px;
border-radius: 6px;
border: 1px solid #dfe6e9;
display: none;
}
.result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #e1e1e1;
}
.result-row:last-child {
border-bottom: none;
}
.result-label {
font-weight: 600;
color: #555;
}
.result-value {
font-weight: bold;
color: #2c3e50;
}
.highlight-result {
color: #27ae60;
font-size: 1.2em;
}
.content-section {
margin-top: 50px;
line-height: 1.6;
color: #444;
}
.content-section h3 {
color: #2c3e50;
margin-top: 25px;
}
.content-section ul {
padding-left: 20px;
}
.content-section li {
margin-bottom: 10px;
}
function calculateRentalROI() {
// 1. Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value);
var closingCosts = parseFloat(document.getElementById('closingCosts').value);
var downPayment = parseFloat(document.getElementById('downPayment').value);
var interestRate = parseFloat(document.getElementById('interestRate').value);
var loanTerm = parseFloat(document.getElementById('loanTerm').value);
var monthlyRent = parseFloat(document.getElementById('monthlyRent').value);
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value);
var annualTax = parseFloat(document.getElementById('annualTax').value);
var annualInsurance = parseFloat(document.getElementById('annualInsurance').value);
var monthlyMaintenance = parseFloat(document.getElementById('monthlyMaintenance').value);
// 2. Validate Inputs
if (isNaN(price) || isNaN(downPayment) || isNaN(monthlyRent)) {
alert("Please enter at least the Purchase Price, Down Payment, and Monthly Rent to calculate.");
return;
}
// Set defaults for optional fields if empty/NaN
if (isNaN(closingCosts)) closingCosts = 0;
if (isNaN(interestRate)) interestRate = 0;
if (isNaN(loanTerm)) loanTerm = 30;
if (isNaN(vacancyRate)) vacancyRate = 0;
if (isNaN(annualTax)) annualTax = 0;
if (isNaN(annualInsurance)) annualInsurance = 0;
if (isNaN(monthlyMaintenance)) monthlyMaintenance = 0;
// 3. Perform Calculations
// Mortgage Calculation
var loanAmount = price – downPayment;
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = loanTerm * 12;
var monthlyMortgage = 0;
if (interestRate > 0 && loanAmount > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else if (loanAmount > 0 && interestRate === 0) {
monthlyMortgage = loanAmount / numberOfPayments;
}
// Income Calculations
var grossAnnualRent = monthlyRent * 12;
var vacancyLoss = grossAnnualRent * (vacancyRate / 100);
var effectiveGrossIncome = grossAnnualRent – vacancyLoss;
// Expense Calculations
var annualMaintenance = monthlyMaintenance * 12;
var totalOperatingExpenses = annualTax + annualInsurance + annualMaintenance;
// NOI
var noi = effectiveGrossIncome – totalOperatingExpenses;
// Cash Flow
var annualDebtService = monthlyMortgage * 12;
var annualCashFlow = noi – annualDebtService;
// Returns
var totalInitialInvestment = downPayment + closingCosts;
var capRate = (price > 0) ? (noi / price) * 100 : 0;
var cashOnCash = (totalInitialInvestment > 0) ? (annualCashFlow / totalInitialInvestment) * 100 : 0;
// 4. Update Display
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 2
});
document.getElementById('resInitialInvest').innerText = formatter.format(totalInitialInvestment);
document.getElementById('resMortgage').innerText = formatter.format(monthlyMortgage);
document.getElementById('resNOI').innerText = formatter.format(noi);
document.getElementById('resCashFlow').innerText = formatter.format(annualCashFlow);
document.getElementById('resCapRate').innerText = capRate.toFixed(2) + "%";
document.getElementById('resCoC').innerText = cashOnCash.toFixed(2) + "%";
// Show results
document.getElementById('resultsArea').style.display = 'block';
// Color coding for negative flow
var cashFlowEl = document.getElementById('resCashFlow');
if (annualCashFlow < 0) {
cashFlowEl.style.color = "#c0392b";
} else {
cashFlowEl.style.color = "#27ae60";
}
}
Rental Property ROI Calculator
Analyze the potential cash flow and return on investment for real estate properties.
Purchase & Loan Details
Income & Expenses
Financial Performance
Total Initial Investment (Cash Needed):
$0.00
Monthly Mortgage Payment (P&I):
$0.00
Net Operating Income (NOI – Annual):
$0.00
Annual Cash Flow:
$0.00
Cap Rate:
0.00%
Cash on Cash Return:
0.00%
Understanding Your Rental Property ROI
Investing in real estate requires precise calculations to ensure profitability. This Rental Property ROI Calculator helps investors evaluate the potential financial performance of a residential or commercial property. By inputting key metrics such as purchase price, financing details, and operating expenses, you can determine if a deal is worth pursuing.
Key Metrics Explained
- Net Operating Income (NOI): This is the total income the property generates annually after all operating expenses (taxes, insurance, maintenance, vacancy) are paid, but before the mortgage is paid. A positive NOI indicates the property can support its operating costs.
- Cash Flow: This is the net profit you pocket every year. It is calculated by subtracting the annual debt service (mortgage payments) from the NOI. Positive cash flow is essential for long-term sustainability.
- Cap Rate (Capitalization Rate): Calculated as NOI / Purchase Price. This metric measures the property's natural rate of return without considering financing. It allows you to compare the profitability of different properties regardless of how they are purchased (cash vs. loan).
- Cash on Cash Return: Calculated as Annual Cash Flow / Total Cash Invested. This is arguably the most important metric for investors using leverage, as it tells you exactly what return you are getting on the actual dollars you put into the deal (down payment + closing costs).
Example Calculation
Imagine purchasing a property for $200,000 with a 20% down payment ($40,000) and $5,000 in closing costs. Your total cash invested is $45,000. If the property generates $24,000 in rent annually, and your total expenses plus mortgage payments equal $20,000, your annual cash flow is $4,000.
Your Cash on Cash return would be: $4,000 / $45,000 = 8.88%. This means for every dollar you invested, you are earning nearly 9 cents back annually.