Investment Analysis

Cash-on-Cash Return Calculator

Calculate your true return on investment. Cash-on-cash return measures the annual pre-tax cash flow relative to your actual cash invested.

Investment Details

Enter your property numbers

Cash Invested

Purchase Price

Down Payment

Closing Costs

Rehab/Repairs

Income

Monthly Rent

Vacancy %

Monthly Expenses

Mortgage Payment

Annual Taxes

Annual Insurance

Maintenance %

Property Mgmt %

Monthly HOA

What is Cash-on-Cash Return?

Cash-on-cash return (CoC) is a rate of return metric that calculates the cash income earned on the actual cash invested in a property. Unlike cap rate which uses purchase price, cash-on-cash return reflects your actual out-of-pocket investment, making it more relevant for leveraged real estate investors.

Cash-on-Cash Return Formula

Cash-on-Cash Return = (Annual Pre-Tax Cash Flow ÷ Total Cash Invested) × 100

What's a Good Cash-on-Cash Return?

8-12%: Generally considered a good return for rental properties
12%+: Excellent return, often found in value-add or BRRRR deals
Below 5%: May underperform compared to passive investments like index funds