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Calculators/Real Estate & Mortgages
Cash-on-Cash Return Calculator
Measure your actual cash return on the cash you invested — the most honest metric for leveraged real estate investors.
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Cash-on-Cash Return6.40%
Good — meets most investor targets.
Cash-on-Cash Return
6.40%
Annual Cash Flow
$4,800
Cash Invested
$75,000
How to Use This Calculator
1
Calculate your annual pre-tax cash flow
Annual Cash Flow = (Monthly Rent × 12) − Annual Mortgage Payments − Annual Operating Expenses. This is the real money hitting your bank account — after the mortgage, taxes, insurance, and repairs.
2
Calculate total cash invested
Total Cash Invested = Down Payment + Closing Costs + Renovation Costs + Any other out-of-pocket expenses to acquire and prepare the property. This is your actual money in, not the purchase price.
3
Interpret the result
Cash-on-Cash = Annual Cash Flow ÷ Total Cash Invested. A 6% CoC means for every $100 you invested, you get $6/year back in cash. Target 6%+ for a productive rental investment.
Real-World Examples
San Antonio SFR
Down Payment
$62,500 (25%)
Closing Costs
$7,500
Annual Cash Flow
$5,400
Total Cash In
$70,000
ResultCoC: 7.7%
Strong return for Texas. This outperforms many dividend stocks and beats high-yield savings accounts significantly.
Austin Condo (Low CoC)
Down Payment
$95,000 (20%)
Closing Costs
$11,000
Annual Cash Flow
$3,600
Total Cash In
$106,000
ResultCoC: 3.4%
Low CoC but buyers bank on Austin appreciation. This is a speculative approach — make sure you can carry the property long-term.
Frequently Asked Questions
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