Rental property

Cash-on-Cash Return Calculator

Measure annual pre-tax cash flow against the total cash invested.

What this calculator estimates

Measure annual return on cash invested. It combines the inputs below to produce Cash-on-cash return. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.

Worked example

Using the displayed sample assumptions, the calculator produces 10.00%. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.

Inputs and assumptions

• Annual rental and other income — sample input: 48000 currency units
• Annual operating expenses — sample input: 14000 currency units
• Annual mortgage payments — sample input: 22000 currency units
• Down payment — sample input: 100000 currency units
• Closing costs — optional — sample input: 8000 currency units
• Initial repairs — optional — sample input: 12000 currency units

How to interpret the result

Review cash flow together with reserves, vacancy and financing risk. Compare a conservative case with an expected case and keep a record of the assumptions used.

Common mistake to avoid

Do not treat gross rent as net operating income. Local definitions, taxes, lending practices and measurement requirements can materially change the result.

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Reviewed 2026-09-08.