Cash on Cash Return Calculator
Calculate cash-on-cash return on a financed rental property from down payment, closing costs, rent, expenses and mortgage.
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About Cash on Cash Return Calculator
Cash-on-cash return compares a year of pre-tax cash flow with the actual cash you put in. Enter the purchase details, loan terms, rent and expenses to see total cash invested, mortgage payment, annual cash flow and cash-on-cash return.
How to use Cash on Cash Return Calculator
- Enter the purchase price, down payment percentage, closing costs and upfront repairs.
- Add the mortgage rate and loan term.
- Enter monthly rent and non-mortgage expenses to see cash flow and cash-on-cash return.
Key features
- Includes closing costs and rehab in cash invested
- Amortized mortgage payment
- Monthly and annual cash flow
- Cash-on-cash return percentage
- Runs in your browser
Frequently asked questions
- How is cash-on-cash return calculated?
- Cash-on-cash return = annual pre-tax cash flow ÷ total cash invested × 100. Cash invested = down payment + closing costs + upfront repairs.
- How is it different from cap rate?
- Cap rate ignores financing. Cash-on-cash return includes the mortgage payment, so it reflects the effect of leverage on your own cash.
- What is a good cash-on-cash return?
- Many investors look for roughly 8–12%, but targets vary by market, risk and expected appreciation.
- Does principal paydown count?
- No. Cash-on-cash return only counts cash flow. Equity built through principal paydown and appreciation is not included.
- Is my data private?
- Yes. All calculations stay in your browser.
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