---
title: "Cash-on-Cash Return Calculator | MCC Solutions"
description: "Enter NOI, debt service and cash invested to get your cash-on-cash return. Free and private."
url: "https://mcc-solutionsnj.com/bookkeeping/cash-on-cash-return-calculator"
---

Free tool

# Cash-on-cash return calculator

See the yearly cash you earn on the cash you put in.

[![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)

Keeping your own books? Tallyfinch does invoices, bank import and reports on your computer. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software)

Net operating income per year ($)

Annual mortgage payments ($)

Cash invested: down payment and closing costs ($)

Prefer to talk it through? [Take the free books check](/bookkeeping/health-check) or [contact us](/contact).

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## Put this tool on your own site

Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us.

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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.

Related: [cap rate calculator](/bookkeeping/cap-rate-calculator), [mortgage payment calculator](/bookkeeping/mortgage-payment-calculator). See [all free tools](/free-tools). More free tools: [Landed cost calculator](/bookkeeping/landed-cost-calculator), [Freelance hourly rate calculator](/bookkeeping/freelance-hourly-rate-calculator), [Days sales outstanding calculator](/bookkeeping/days-sales-outstanding-calculator), or [see all free tools](/free-tools).

Free

### Month-End Close Checklist (PDF)

The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link.

General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Do it yourself

### Rental Property Deal Analyzer

Enter the price, financing, rent and expenses and see cash flow, cap rate, cash-on-cash return and coverage, with best, expected and worst cases side by side.

[See what's inside ($29)](/toolkits/rental-property-deal-analyzer)14-day full refund

Tallyfinch

### Books you keep on your own computer

Tallyfinch does invoices, bills, bank import, reconciliation and the main reports, in a file you own. $99 once, then $5 a month for updates; the app keeps working if you stop the plan. It does not do payroll or sales tax filing. The free download records up to 60 entries.

[See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) [Download it free](/tools/pro/trial/mccBooks) [Compare the three apps](/software)

## Want your books and numbers handled?

[Free health check](/bookkeeping/health-check)[Call (908) 444-6373](tel:+19084446373)