Cash on Cash Return Calculator
Find the cash-on-cash return on a rental: a year's cash flow after the mortgage divided by the cash you put in.
Change the values and press Calculate to work out your own figures.
Enter your cash invested, income, expenses and mortgage payments.
Show the working
- cash flow = income − operating expenses − mortgage payments
- cash-on-cash = cash flow ÷ cash invested
How to use it
Enter your cash invested, income, expenses and mortgage payments.
Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.
Key facts
cash flow = income − operating expenses − mortgage payments (a year) cash-on-cash = cash flow ÷ cash invested
Questions
Is cash-on-cash the same as ROI?
It's one year's cash return on cash put in; it leaves out appreciation, loan paydown and taxes.
Formulas
cash flow = income − operating expenses − mortgage payments (a year) cash-on-cash = cash flow ÷ cash invested
Sources
Limitations
- Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
- Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.