Cash-on-cash return calculator
Enter your cash flow and the cash you put in to see the yearly return on it. Change any number and the results update.
Results
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A rental that cash-flows $250 a month, bought with $50,000 down, $7,500 of closing costs and $2,500 of repairs.
- Monthly cash flow
- $250/mo
- Down payment
- $50,000
- Closing costs
- $7,500
- Upfront repairs
- $2,500
- Cash-on-cash return
- 5.00%
- Annual cash flow
- $3,000
- Cash invested
- $60,000
That's $3,000 a year on $60,000 invested: a 5.00% cash-on-cash return.
How it's calculated
- Cash invested
- Down payment + closing costs + upfront repairs.
- Cash-on-cash return
- Monthly cash flow × 12 ÷ cash invested × 100.
What's a good result?
As a rule of thumb, 8% or more is strong and 4–8% is fair. Compare it with what your cash could earn elsewhere.
Questions
Where does monthly cash flow come from?
Rent minus every expense, including the mortgage and reserves. The rental property calculator works it out for you.
Does it include appreciation or loan paydown?
No, only cash in your pocket. The full analysis adds a 30-year projection with appreciation, loan paydown and total return.
Learn more: Long-term rentals. More calculators: Rental property · Airbnb · Fix & flip · BRRRR · Mortgage · Cap rate · 70% rule