Cash-on-Cash Return Calculator

Cash-on-cash return = annual pre-tax cash flow ÷ total cash invested. The leveraged-return number that landlords actually live on.

Cash invested

Down payment

Closing costs

Rehab

Income & expenses

Monthly rent

Vacancy %

Op. expenses (mo)

Tax + ins + mgmt + reserves

Loan (optional)

Loan amount

0 for all-cashInterest rate

Term (years)

Result

Cash-on-cash return

4.54%

Monthly cash flow

$212.05

Annual cash flow

$2,545

Monthly P&I

$997.95

Cash invested

$56,000

What's a good cash-on-cash return?

Most US rental investors target 8–12% cash-on-cash in year one. At higher interest rates the bar shifts down — 4–6% is realistic in 2024-2025 markets unless you have a low-rate assumable loan, an off-market price, or a value-add component.

Cash-on-Cash Return Calculator

Cash invested

Income & expenses

Loan (optional)

Result

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What's a good cash-on-cash return?