Free tool

Cash-on-cash return calculator

See the yearly cash you earn on the cash you put in.

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Net operating income per year ($)

Annual mortgage payments ($)

Cash invested: down payment and closing costs ($)

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<p style="font-size:14px;margin:6px 0 0">Calculator by <a href="https://mcc-solutionsnj.com/bookkeeping/cash-on-cash-return-calculator">MCC Solutions</a></p>
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How it works

Cash-on-cash return = annual pre-tax cash flow divided by cash invested. Cash flow is net operating income minus yearly debt service.

FAQ

About this calculator

How is it different from cap rate?

Cap rate ignores financing. Cash-on-cash return uses your actual loan payments and the cash you invested.

What counts as cash invested?

Your down payment, closing costs and any upfront repairs paid in cash.

Is it after tax?

No, it is before income tax.

Is anything saved?

No. The math runs in your browser and nothing you enter is sent to us.

Is this tax or financial advice?

No. It is a calculator for general information. Check the numbers against your own records, and ask an accountant before you act on them.

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General information, not tax or legal advice. How we write and check our tools.

Do it yourself

Rental Property Deal Analyzer

Enter the price, financing, rent and expenses and see cash flow, cap rate, cash-on-cash return and coverage, with best, expected and worst cases side by side.

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Tallyfinch

Books you keep on your own computer

Tallyfinch does invoices, bills, bank import, reconciliation and the main reports, in a file you own. $99 once, then $5 a month for updates; the app keeps working if you stop the plan. It does not do payroll or sales tax filing. The free download records up to 60 entries.

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