Cash on Cash Return Calculator

Summary

Enter your annual pre-tax cash flow and total cash invested to instantly calculate your cash-on-cash return percentage.

How it works

1. Enter your annual gross rental income from the property.
2. Input your annual operating expenses (taxes, insurance, maintenance, management, vacancy).
3. Enter your annual mortgage payments (principal + interest) if applicable.
4. Input the total cash you invested: down payment, closing costs, and any upfront repairs.
5. Click Calculate — the tool computes annual pre-tax cash flow and divides by total cash invested.
6. 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.

Frequently Asked Questions