Cash on Cash Return Calculator
Enter your annual pre-tax cash flow and total cash invested to instantly calculate your cash-on-cash return percentage.
Use the Cash on Cash Return Calculator
Cash on Cash Return
Annual Income
Annual Operating Expenses
Annual Debt Service
Total Cash Invested
Fill in the inputs on the left and click Calculate to see your CoC return.
Cash on Cash Return
—
Gross Income
—
per year
Net Cash Flow
—
pre-tax / year
Cash Invested
—
total out-of-pocket
Cash Flow Breakdown
Formula
CoC Benchmark
Summary
Cash-on-cash return (CoC) measures how much pre-tax cash income you earn relative to the actual cash you invested in a property. Unlike cap rate, CoC accounts for your financing structure — so two investors buying the same property with different down payments will see different CoC returns. This calculator breaks down your income, expenses, debt service, and total cash outlay to give you an accurate CoC figure.
How it works
- Enter your annual gross rental income from the property.
- Input your annual operating expenses (taxes, insurance, maintenance, management, vacancy).
- Enter your annual mortgage payments (principal + interest) if applicable.
- Input the total cash you invested: down payment, closing costs, and any upfront repairs.
- Click Calculate — the tool computes annual pre-tax cash flow and divides by total cash invested.
- Review the results breakdown to understand where your return comes from and how it benchmarks.
Use cases
- Compare cash returns across multiple investment property opportunities.
- Evaluate how different down payment amounts affect your levered return.
- Screen rental deals quickly before committing to full due diligence.
- Present CoC analysis to lenders, partners, or co-investors.
- Model scenarios: what CoC if rent increases 5% or vacancy drops?
- Understand the difference between CoC return and cap rate.
- Justify or challenge a purchase price based on expected cash flow.
- Benchmark your property against typical market CoC ranges.