Cash-on-Cash Return Calculator
Enter the price, your down payment, the closing costs and the loan terms, plus the yearly rent and costs. The calculator shows your yearly cash flow after the loan payments and the return on the cash you invested.
Cash-on-cash return
Cash-on-cash return-
Cash flow per year after the loan-
Cash you put in-
Net operating income per year-
Loan amount-
Loan payments per year-
Cap rate-
An estimate for planning only, not financial advice or a loan offer.
How it works
Cash-on-cash return is the yearly cash flow before income tax divided by the total cash you put in, which is the down payment plus closing costs and any money you spend on repairs at the start.
Cash flow is the net operating income minus the yearly loan payments. A loan can raise the cash-on-cash return when it costs less than the property earns, and lower it when it costs more.
Find a property to run the numbers on
Questions
It is the yearly cash flow from a property before income tax, divided by the cash you invested in it. It shows the return on your own money, after the loan payments.
The cap rate ignores the loan and compares income with the price. Cash-on-cash return includes the loan and compares cash flow with the cash you actually put in.
The down payment, closing costs, and any repairs or improvements you pay for at the start.
No. It is an estimate from the numbers you enter. Rents, vacancy, costs and rates change, so use cautious figures.