Cash-on-Cash Return Calculator
See what your cash earns. Enter the price, down payment, loan terms and rent to get monthly cash flow, annual cash flow and your cash-on-cash return.
How the cash-on-cash return calculator works
Cash-on-cash return answers one question: for each dollar of your own cash in the deal, how many dollars of cash flow do you get back each year? It is more useful than the cap rate once a loan is involved.
The calculator uses a standard loan payment formula and treats operating expenses as a share of rent. Real expenses vary, so test a higher expense percentage and a lower rent.
A positive result is not automatically a good deal. Check the DSCR shown here against your lender, and compare with the cap rate.
The formulas
Frequently asked questions
How do you calculate cash-on-cash return?
Divide the annual cash flow after the mortgage by the total cash you invested.
Is there a cash-on-cash calculator for Excel?
This page works in your browser. For an Excel file you can keep, see the DSCR calculator Excel template and the landlord rental property tracker.
What is a good cash-on-cash return?
It depends on your goals, market and risk. Compare it with other places you could put the same cash.
Does it include appreciation?
No, only cash flow.
More free tools: Cap rate calculator · BRRRR calculator · All free calculators
Estimates only. Results depend on the numbers you enter and are not financial, tax or legal advice.