RentToolkit

Cash-on-Cash Return Calculator

Annual pre-tax cash flow divided by the total cash you put into the deal.

What do these mean?

Example: $6,000 cash flow ÷ $60,000 invested = 10% cash-on-cash. Each $1 you put in earns about 10¢ a year.

Your results, explained

Cash-on-cash return
Yearly cash flow ÷ all the cash you put in. Like an interest rate on your own money.
Total cash invested
Down payment + closing costs + rehab.

Estimates only. Not financial, tax or legal advice.

Results

Cash-on-cash return—
Total cash invested—

Estimates for educational purposes only. Not legal, tax or financial advice. Results depend on your inputs and are provided as is. See our Terms.

How it works

Cash-on-cash return tells you how hard your own money is working, including the effect of your mortgage.

The formula

Cash-on-cash = annual pre-tax cash flow ÷ total cash invested × 100

FAQ

How is it different from ROI?

Cash-on-cash only counts cash flow against cash invested. Broader ROI can also include appreciation, loan paydown and tax benefits.

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