Cash-on-Cash Return Calculator
Calculate the cash-on-cash return on your rental property investment. This metric measures your annual cash flow as a percentage of the actual cash you invested, making it the most practical way to compare rental property performance.
Investment Details
Monthly Income & Expenses
Operating Expenses include property taxes, insurance, vacancy allowance, property management, maintenance, and HOA fees (if applicable).
Cash on Cash Return
This return is acceptable but on the lower end. Consider if appreciation or other factors compensate.
Monthly Cash Flow
Full BRRRR Analysis
Planning a Buy-Rehab-Rent-Refinance deal? Our BRRRR calculator includes refinance scenarios and equity analysis.
Try BRRRR CalculatorFrequently Asked Questions
What is cash-on-cash return?▼
Cash-on-cash return measures annual cash flow as a percentage of the actual cash you invested. It is calculated as: Annual Cash Flow / Total Cash Invested × 100. It is the most practical measure of rental property performance.
What is a good cash-on-cash return?▼
Most investors target 8-12% cash-on-cash return. Some high-cash-flow markets can deliver 15%+, while appreciation markets (like California) may only yield 3-5% but offer equity growth.
How is cash-on-cash different from cap rate?▼
Cap rate measures property performance without financing (NOI/Price). Cash-on-cash includes your financing and measures return on your actual cash investment. Cash-on-cash is more relevant if you use leverage.