Free tool
Cash-on-cash return calculator
See the yearly cash you earn on the cash you put in.
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How it works
How it works
Cash-on-cash return = annual pre-tax cash flow divided by cash invested. Cash flow is net operating income minus yearly debt service.
FAQ
About this calculator
How is it different from cap rate?
Cap rate ignores financing. Cash-on-cash return uses your actual loan payments and the cash you invested.
What counts as cash invested?
Your down payment, closing costs and any upfront repairs paid in cash.
Is it after tax?
No, it is before income tax.
Is anything saved?
No. The math runs in your browser and nothing you enter is sent to us.
Is this tax or financial advice?
No. It is a calculator for general information. Check the numbers against your own records, and ask an accountant before you act on them.
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General information, not tax or legal advice. How we write and check our tools.