Cash-on-Cash Return Calculator
Annual cash flow against the cash you actually invested.
Enter your values
ⓘ Live results
Results
- Cash-on-cash return
- 1.75%
- Annual cash flow
- $1,737.20
- Monthly cash flow
- $144.77
- Total cash invested
- $99,000.00
- Monthly mortgage payment
- $2,205.23
- Break-even rent
- $3,155.23
Quick answer
Cash-on-cash return = annual pre-tax cash flow ÷ total cash invested, which is the metric leveraged investors care about most.
CoC = annual cash flow ÷ cash invested
How to use the Cash-on-Cash Return Calculator
- 1Enter the price, down payment percentage and up-front costs.
- 2Enter the mortgage rate and term.
- 3Add monthly rent and all operating expenses except the mortgage.
Worked example
Using the values the calculator loads with:
Inputs
- Purchase price425000 $
- Down payment20 %
- Closing costs and rehab14000 $
- Mortgage rate6.75 %
- Mortgage term30 yr
- Monthly rent3300 $
- Monthly operating expenses950 $
Results
- Cash-on-cash return1.75%
- Annual cash flow$1,737.20
- Monthly cash flow$144.77
- Total cash invested$99,000.00
- Monthly mortgage payment$2,205.23
- Break-even rent$3,155.23
Frequently asked questions
What is a good cash-on-cash return?
Many investors target 8–12%. Below your savings rate the deal only makes sense if appreciation or principal paydown carries it.
Does this include appreciation?
No — it measures cash only. Total return also includes principal paydown, appreciation and tax benefits like depreciation.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.