Advanced Investment Property Calculator
body {
font-family: Arial, sans-serif;
margin: 0;
padding: 0;
background-color: #f4f4f9;
}
.container {
max-width: 1200px;
margin: 20px auto;
padding: 20px;
background-color: white;
border-radius: 10px;
box-shadow: 0 4px 8px rgba(0,0,0,0.1);
}
input, select, button {
width: 100%;
padding: 10px;
margin: 10px 0;
font-size: 16px;
box-sizing: border-box;
border-radius: 5px;
border: 1px solid #ddd;
}
h2, h3 {
color: #333;
}
.results {
display: none;
margin-top: 20px;
}
.result-item {
font-size: 18px;
margin-bottom: 10px;
}
#charts {
display: none;
}
canvas {
width: 100%;
max-width: 800px;
margin: 10px 0;
}
Advanced Investment Property Calculator
Property Details
Rental Income & Expenses
Calculate Financing Options
Fixed Rate Loan
Interest-Only Loan
Results:
Monthly Cash Flow: $
Annual Cash Flow: $
ROI (Return on Investment): %
Cash-on-Cash Return: %
Cap Rate: %
Estimated Tax Savings: $
Depreciation Per Year: $
Property Value After Appreciation: $
Graphs
// Function to calculate investment metrics
function calculateInvestment() {
// Retrieve user inputs
const purchasePrice = parseFloat(document.getElementById('purchasePrice').value) || 0;
const loanAmount = parseFloat(document.getElementById('loanAmount').value) || 0;
const loanInterest = parseFloat(document.getElementById('loanInterest').value) || 0;
const loanTerm = parseFloat(document.getElementById('loanTerm').value) || 0;
const points = parseFloat(document.getElementById('points').value) || 0;
const rentalIncome = parseFloat(document.getElementById('rentalIncome').value) || 0;
const propertyTaxes = parseFloat(document.getElementById('propertyTaxes').value) || 0;
const insurance = parseFloat(document.getElementById('insurance').value) || 0;
const managementFee = parseFloat(document.getElementById('managementFee').value) || 0;
const repairs = parseFloat(document.getElementById('repairs').value) || 0;
const hoaFees = parseFloat(document.getElementById('hoaFees').value) || 0;
const depreciationRate = parseFloat(document.getElementById('depreciationRate').value) || 0;
const taxBracket = parseFloat(document.getElementById('taxBracket').value) || 0;
const appreciationRate = parseFloat(document.getElementById('appreciationRate').value) || 0;
const exitYears = parseFloat(document.getElementById('exitYears').value) || 0;
const financingType = document.getElementById('financingType').value;
// Calculate the loan origination fees (points) on the loan amount
const loanPoints = (points / 100) * loanAmount;
// Mortgage payment calculation (fixed-rate loan)
const interestRate = loanInterest / 100 / 12;
const numberOfPayments = loanTerm * 12;
let monthlyPayment;
if (financingType === "fixed") {
monthlyPayment = (loanAmount * interestRate) / (1 - Math.pow(1 + interestRate, -numberOfPayments));
} else if (financingType === "interestOnly") {
monthlyPayment = loanAmount * interestRate;
}
// Monthly expenses calculation
const totalMonthlyExpenses = propertyTaxes + insurance + repairs + hoaFees + (rentalIncome * (managementFee / 100)) + monthlyPayment;
// Monthly cash flow
const cashFlow = rentalIncome - totalMonthlyExpenses;
// Annual cash flow
const annualCashFlow = cashFlow * 12;
// ROI (Return on Investment)
const downPayment = purchasePrice - loanAmount;
const roi = (annualCashFlow / downPayment) * 100;
// Cash-on-Cash Return
const cashOnCashReturn = (annualCashFlow / downPayment) * 100;
// Cap Rate
const netIncome = annualCashFlow - (propertyTaxes + insurance + repairs + hoaFees);
const capRate = (netIncome / purchasePrice) * 100;
// Tax savings calculation (assumes tax bracket input for simplicity)
const taxSavings = (annualCashFlow + (loanAmount * loanInterest / 100)) * (taxBracket / 100);
// Depreciation calculation
const depreciation = (purchasePrice / 27.5) * depreciationRate / 100;
// Property value appreciation calculation after 'exitYears'
const appreciatedValue = purchasePrice * Math.pow(1 + (appreciationRate / 100), exitYears);
// Display results
document.getElementById('resultCashFlow').innerText = cashFlow.toFixed(2);
document.getElementById('resultAnnualCashFlow').innerText = annualCashFlow.toFixed(2);
document.getElementById('resultROI').innerText = roi.toFixed(2);
document.getElementById('resultCashOnCash').innerText = cashOnCashReturn.toFixed(2);
document.getElementById('resultCapRate').innerText = capRate.toFixed(2);
document.getElementById('resultTaxSavings').innerText = taxSavings.toFixed(2);
document.getElementById('resultDepreciation').innerText = depreciation.toFixed(2);
document.getElementById('resultAppreciatedValue').innerText = appreciatedValue.toFixed(2);
// Show results and graphs
document.getElementById('results').style.display = 'block';
document.getElementById('charts').style.display = 'block';
// Graph Data
const cashFlowData = {
labels: ['Month 1', 'Month 2', 'Month 3', 'Month 4', 'Month 5', 'Month 6'],
datasets: [{
label: 'Cash Flow',
data: Array(6).fill(cashFlow),
backgroundColor: 'rgba(54, 162, 235, 0.6)',
borderColor: 'rgba(54, 162, 235, 1)',
borderWidth: 1
}]
};
const roiData = {
labels: ['Year 1', 'Year 2', 'Year 3', 'Year 4', 'Year 5'],
datasets: [{
label: 'ROI',
data: Array(5).fill(roi),
backgroundColor: 'rgba(75, 192, 192, 0.6)',
borderColor: 'rgba(75, 192, 192, 1)',
borderWidth: 1
}]
};
const noData = {
labels: ['Year 1', 'Year 2', 'Year 3', 'Year 4', 'Year 5'],
datasets: [{
label: 'NOI',
data: Array(5).fill(netIncome),
backgroundColor: 'rgba(153, 102, 255, 0.6)',
borderColor: 'rgba(153, 102, 255, 1)',
borderWidth: 1
}]
};
// Create cash flow graph
const ctxCashFlow = document.getElementById('cashFlowGraph').getContext('2d');
new Chart(ctxCashFlow, {
type: 'bar',
data: cashFlowData,
options: {
responsive: true,
plugins: {
title: {
display: true,
text: 'Monthly Cash Flow'
},
legend: {
display: false
}
},
scales: {
y: {
beginAtZero: true,
title: {
display: true,
text: 'Cash Flow ($)'
}
}
}
}
});
// Create ROI graph
const ctxROI = document.getElementById('roiGraph').getContext('2d');
new Chart(ctxROI, {
type: 'line',
data: roiData,
options: {
responsive: true,
plugins: {
title: {
display: true,
text: 'Return on Investment (ROI) Over Time'
},
legend: {
display: false
}
},
scales: {
y: {
beginAtZero: true,
title: {
display: true,
text: 'ROI (%)'
}
}
}
}
});
// Create NOI graph
const ctxNOI = document.getElementById('noGraph').getContext('2d');
new Chart(ctxNOI, {
type: 'bar',
data: noData,
options: {
responsive: true,
plugins: {
title: {
display: true,
text: 'Net Operating Income (NOI) Over Time'
},
legend: {
display: false
}
},
scales: {
y: {
beginAtZero: true,
title: {
display: true,
text: 'NOI ($)'
}
}
}
}
});
}
