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Cash-on-Cash Return Calculator

Cash-on-cash return for a leveraged rental: annual pre-tax cash flow divided by the cash you actually invested.

Enter values

Results update as you type.

Result

Cash-on-cash return

5.56%

Annual cash flow
$4,836.83
Monthly mortgage
$1,496.93
Cash invested
$87,000.00

About the Cash-on-Cash Return Calculator

Cash-on-cash return for a leveraged rental: annual pre-tax cash flow divided by the cash you actually invested.

Also known as: coc return, cash on cash, leveraged return.

How to use this calculator

  1. Enter purchase price, down payment, closing costs & repairs, mortgage rate and the other fields.
  2. The result updates instantly as you type — press Calculate (or Enter) at any time.
  3. Review the breakdown shown under the main result.
  4. Use Copy result or Share to save the answer or send a link with your inputs.

Formula

CoC = annual cash flow ÷ cash invested

Worked example

Using the values pre-filled in the calculator above:

  • Purchase price = 300,000
  • Down payment = 25 %
  • Closing costs & repairs = 12,000
  • Mortgage rate = 7 %
  • Mortgage term = 30 years
  • Monthly rent = 2,600
  • Monthly operating expenses = 700

the calculator returns:

  • Cash-on-cash return: 5.56%
  • Annual cash flow: 4,836.83
  • Monthly mortgage: 1,496.93
  • Cash invested: 87,000