What is cash-on-cash return?

Cash-on-cash return is annual pre-tax cash flow divided by the total cash invested, shown as a percentage. Unlike cap rate, it accounts for financing.

What counts as cash invested?

The actual cash you spent — typically the down payment, closing costs and any renovation costs — not the financed loan amount.

Is anything uploaded?

No — all calculations happen locally in your browser.

Cash-on-Cash Return Calculator

Annual cash flow as a percentage of cash invested.

Cash-on-cash return calculator

Cash-on-cash return shows how hard your actual cash is working: annual pre-tax cash flow divided by the total cash you invested. Because it factors in your mortgage, it reflects leveraged returns rather than the property’s standalone yield.

Enter your annual cash flow and total cash invested to see the percentage — calculated entirely in your browser.