PropdealcalcCash-on-cash return calculator
Cash-on-cash return shows how hard the money you actually put in is working: yearly cash flow divided by your total cash invested.
Cash you put in
$
$
$
$
Loan fees, furniture.Each month
$
%
$
$
Cash-on-cash return2.2%
Yearly cash flow$1,680
Total cash invested$75,000
Years to get your cash back44.6
Formula
Cash-on-cash return = yearly pre-tax cash flow ÷ total cash invested. Cash invested is the down payment plus buying costs, repairs and loan fees, not the price of the property.
Cash-on-cash vs cap rate
The cap rate ignores financing; cash-on-cash includes it. Borrowing at a rate below the cap rate raises cash-on-cash return; borrowing above it lowers it. Neither includes rising value or the loan being paid down, which the deal analyzer captures in the IRR.
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