Cash-on-Cash Return Calculator
Calculate the annual pre-tax cash return on the cash you actually invested in a property, including down payment, closing costs and rehab.
Your numbers
- Total cash invested
- $93,000
- Annual cash flow
- $5,400
- Years to recoup cash
- 17.22 years
- Cumulative cash flow
- Cash invested
How the cash-on-cash return calculator works
Cash-on-cash = annual pre-tax cash flow ÷ total cash invested.
Example
Using the default inputs (Down payment: $75,000; Closing costs: $8,000; Rehab costs: $10,000; Monthly cash flow after debt: $450), the calculator returns cash-on-cash return of 5.81%. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
Cash-on-cash vs ROI?
Cash-on-cash ignores appreciation and loan paydown; total ROI includes them.
Is leverage good?
It boosts cash-on-cash when property yields exceed your borrowing cost, but adds risk.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.