Cash-on-cash return calculator

Cash-on-cash return shows what a rental pays you each year on the cash you actually put in. Enter your down payment, closing and repair costs, the rent and your monthly costs. It's free and there's no sign-up.

Cash you put in
Each month

Monthly costs are the mortgage plus taxes, insurance, HOA, repairs, management and vacancy. The starting numbers are only an example.

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What the numbers mean

Cash-on-cash return
Yearly cash flow divided by the cash you put in. It's the return on your own money, after the loan payment.
Cash flow
Rent minus every monthly cost, including the mortgage. Positive means the rental pays you each month.
Why it differs from cap rate
Cap rate ignores the loan. Cash-on-cash includes it, so a bigger loan can raise or lower it depending on the interest rate.

These are estimates from the numbers you enter, not financial, tax or lending advice. Want every number in one place? Try the rental property calculator or the cap rate calculator.