Cash-on-Cash Return Calculator
Fill in the values and the answer updates as you type.
How the Cash-on-Cash Return Calculator works
Cash-on-cash return = annual pre-tax cash flow ÷ total cash invested × 100. Cash flow = rent after vacancy − operating expenses − mortgage payments. Cash invested = down payment + closing and repair costs. The payment uses the standard amortized loan formula, P × r ÷ (1 − (1 + r)^−n). The figure ignores appreciation, loan paydown, and taxes. Example: Buying a $300,000 rental with 25 percent down, 6.5 percent interest over 30 years, and $9,000 of closing costs needs $84,000 in cash. With $2,400 rent and $7,200 of expenses it returns $3,094.16 a year, or 3.68 percent.
Inputs and results
The Cash-on-Cash Return Calculator takes 8 inputs and gives 4 results.
What you enter
- Purchase price ($) — starts at 300000.
- Down payment (%) — starts at 25.
- Mortgage interest rate (%) — starts at 6.5.
- Loan term (years) — starts at 30.
- Closing and repair costs ($) — starts at 9000.
- Monthly rent ($) — starts at 2400.
- Operating expenses per year (no mortgage) ($) — starts at 7200.
- Vacancy rate (%) — starts at 5.
What you get
- Cash-on-cash return
- Annual cash flow after mortgage
- Total cash invested
- Monthly mortgage payment
Example: Cash-on-Cash Return Calculator with the starting values
With purchase price 300000 $, down payment 25 %, mortgage interest rate 6.5 %, loan term 30 years and closing and repair costs 9000 $, the calculator returns:
| Cash-on-cash return | 3.68% |
|---|---|
| Annual cash flow after mortgage | $3,094.16 |
| Total cash invested | $84,000 |
| Monthly mortgage payment | $1,422.15 |
Change any value above and the results update straight away.
Cash-on-Cash Return Calculator FAQ
How do I use the Cash-on-Cash Return Calculator?
Enter purchase price, down payment, mortgage interest rate and loan term in the fields, then read cash-on-cash return, annual cash flow after mortgage, total cash invested and monthly mortgage payment in the result panel. The answer updates as you type, and you can press Calculate or Enter to refresh it. Use “Copy link” to share your exact numbers with someone else.
What does the Cash-on-Cash Return Calculator calculate?
Yearly cash flow as a percentage of the cash you put into a rental. It returns cash-on-cash return, annual cash flow after mortgage, total cash invested and monthly mortgage payment from the 8 values you provide.
What values does the Cash-on-Cash Return Calculator start with?
It opens with purchase price 300000 $, down payment 25 %, mortgage interest rate 6.5 % and loan term 30 years so you can see a working result straight away. Replace them with your own numbers, or press Reset to return to these starting values.
Is the Cash-on-Cash Return Calculator free and private?
Yes. It is free, needs no account, and runs in your browser, so nothing you type is sent to or stored on our servers. See the Privacy Policy for details.
Can I rely on the Cash-on-Cash Return Calculator for financial decisions?
Treat the result as a well-rounded estimate. Real situations often have details a general calculator cannot know, so confirm financial decisions with a qualified professional. See the Disclaimer for more.