Cash-on-cash return calculator
What your actual cash earns each year after the mortgage.
Cash-on-cash return
1.83%
Annual cash flow
$1,537
Cash invested
$84,000
Cash-on-cash = Annual cash flow ÷ Total cash invested
Want the full answer?
One number isn't a verdict. Run the complete analysis and see if the deal stands on a solid foundation.
Is this a good investment? →How it works
Cash-on-cash return shows what your own money earns each year. It includes your loan payment, so it reflects the deal you'd actually own.
Total cash invested is your down payment plus closing costs and upfront repairs.
Frequently asked questions
What is a good cash-on-cash return?
Many investors target 8–12%. Anything above what you'd earn in an index fund, with less risk, is worth a close look.
Cash-on-cash vs cap rate?
Cap rate ignores the loan; cash-on-cash includes it. Use cap rate to compare properties and cash-on-cash to judge your deal.