Cash-on-Cash Return Calculator
Calculate cash-on-cash return — the annual pre-tax cash flow as a percentage of total cash invested. Enter your actual cash outflows to see your real return on equity.
Cash Flow & Investment
Annual rent received minus all expenses and mortgage payments
Furniture, appliances, permits, etc.
Results
Cash-on-Cash Return
7.62%
Total Cash Invested
$78,750
Annual Cash Flow
$6,000
$500/month
Cash Invested Breakdown
Formula
Total Cash Invested = Down Payment + Closing Costs + Rehab + Other Initial Costs
Cash-on-Cash Return = Annual Pre-Tax Cash Flow ÷ Total Cash Invested × 100
Worked Example
Down Payment: $70,000 | Closing Costs: $8,750 | Annual Cash Flow: $6,000
Total Cash Invested = $78,750
Cash-on-Cash Return = $6,000 ÷ $78,750 × 100 = 7.62%
Benchmark Context
The badge labels (Strong/Moderate/Low) reflect yield level only. Appropriate cash-on-cash returns depend on your market, risk tolerance, and investment goals. Higher leverage generally increases cash-on-cash return but also increases risk. Compare investments with similar risk profiles.
These are general reference ranges, not universal benchmarks. Always evaluate against local market alternatives and your personal risk tolerance.
Educational Disclaimer
All calculations are estimates for educational and planning purposes only. PropertyFlowTools.com does not provide financial, tax, legal, lending, or investment advice. Verify calculations and consult qualified professionals before making property or financing decisions.
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Last reviewed: 2026