🏠 Real Estate Tools
Cash-on-Cash Return Calculator
Calculate the actual return on your out-of-pocket cash invested in a rental property.
Investment details
Fill in the details and click calculate.
Frequently Asked Questions
What does cash-on-cash return measure?
Annual pre-tax cash flow ÷ total cash invested (down payment, closing costs, initial repairs). It answers the investor's real question: what does the cash I put in earn each year?
What is a good cash-on-cash return?
Many rental investors target 6–10%; house hackers and value-add deals can exceed that. Compare against your alternatives — at 4%, a treasury ladder does the same with zero tenants.
How does leverage change cash-on-cash?
Financing amplifies it both ways: less cash in raises the ratio when the spread between cap rate and loan rate is positive, and crushes it when rates exceed the property's yield.
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