Cash-on-Cash Return Calculator

Calculate the annual return on actual cash invested in a rental property, factoring in down payment, closing costs, rehab, income, and expenses.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Purchase Price ($)

Down Payment (%)

Closing Costs (%)

Rehab / Repair Costs ($)

Monthly Rent ($)

Vacancy Rate (%)

Monthly Mortgage P&I ($)

Monthly Property Taxes ($)

Monthly Insurance ($)

Monthly Maintenance ($)

Monthly Property Mgmt ($)

Tab to move between fields

Results

Cash-on-Cash Return

6.56%

Total Cash Invested$56,000.00

Annual Cash Flow$3,672.00

Monthly Cash Flow$306.00

Effective Gross Income$19,872.00

Annual NOI$14,472.00

Annual Operating Expenses$5,400.00

Annual Mortgage Payments$10,800.00

How to Use This Calculator

Enter Purchase Price and Down Payment % to calculate total initial cash invested.
Add Closing Costs % and any Rehab Costs to get a full picture of your out-of-pocket investment.
Enter Monthly Rent and Vacancy Rate % for effective gross income.
Input Monthly Mortgage, Property Taxes, Insurance, Maintenance, and Management fees.
Read Cash-on-Cash Return — the annual net cash flow divided by total cash invested — as your primary performance metric.

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