Cash-on-Cash Return Calculator
Annual cash flow against the cash you actually invested.
Enter your values
Enter the purchase price in $.
Enter the down payment in %.
Enter the closing costs and rehab in $.
Enter the mortgage rate in %.
Enter the mortgage term in yr.
Enter the monthly rent in $.
Enter the monthly operating expenses in $.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- 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
- $3,155.23
Quick answer
Cash-on-cash return = annual pre-tax cash flow ÷ total cash invested, which is the metric leveraged investors care about most.
CoC = annual cash flow ÷ cash invested
At a glance
| What it does | Annual cash flow against the cash you actually invested. |
|---|---|
| Category | Business |
| Inputs needed | Purchase price, Down payment, Closing costs and rehab, Mortgage rate, Mortgage term, Monthly rent, Monthly operating expenses |
| Main output | Cash-on-cash return |
| Formula | CoC = annual cash flow ÷ cash invested |
| Cost | Free — no sign-up, no download |
How to use the Cash-on-Cash Return Calculator
- 1Enter the price, down payment percentage and up-front costs.
- 2Enter the mortgage rate and term.
- 3Add monthly rent and all operating expenses except the mortgage.
Inputs explained
- Purchase price($)
- Enter the purchase price in $.
- Down payment(%)
- Enter the down payment in %.
- Closing costs and rehab($)
- Enter the closing costs and rehab in $.
- Mortgage rate(%)
- Enter the mortgage rate in %.
- Mortgage term(yr)
- Enter the mortgage term in yr.
- Monthly rent($)
- Enter the monthly rent in $.
- Monthly operating expenses($)
- Enter the monthly operating expenses in $.
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.
What do I need to enter into the Cash-on-Cash Return Calculator?
Just 7 values: purchase price, down payment, closing costs and rehab, mortgage rate, mortgage term, monthly rent, monthly operating expenses. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Cash-on-Cash Return Calculator work out the answer?
Cash-on-cash return = annual pre-tax cash flow ÷ total cash invested, which is the metric leveraged investors care about most. It applies the formula CoC = annual cash flow ÷ cash invested and shows the working so you can check each step by hand.
Is the Cash-on-Cash Return Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.