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Cash on Cash Calculator

Calculate cash-on-cash return for rental properties. Free CoC calculator shows your annual return on invested capital. Evaluate real estate investments instantly.

Purchase Details

$
%
$
$

Financing

%

Income & Expenses

$
%
$

Taxes, insurance, maintenance, management

Cash-on-Cash Return
5.95%
Below AverageMarginal return, consider negotiating
Monthly Cash Flow
$402
Annual Cash Flow
$4,821

How It's Calculated

CoC = Annual Cash Flow / Total Cash Invested

Cash-on-Cash Return measures the return on your actual cash invested, not the property's total value. This accounts for financing leverage.

Cash Invested

Down Payment$75,000
Closing Costs$6,000

Total Cash Invested$81,000

Cash-on-Cash Benchmarks

Excellent15%+
Good Target10-15%
Minimum Acceptable8%

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Frequently Asked Questions

What is cash-on-cash return?

Cash-on-cash return measures the annual pre-tax cash flow relative to the total cash invested in a property. It shows the actual return on YOUR money, not the total property value.

What is a good cash-on-cash return?

Most investors target 8-12% cash-on-cash return. However, this varies by market, risk tolerance, and investment strategy. Some investors accept lower returns in appreciating markets.

How is cash-on-cash different from cap rate?

Cap rate measures the property's return as if purchased with all cash (no financing). Cash-on-cash measures your actual return based on the cash you invested, accounting for mortgage payments.

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