Free Cash-on-Cash Return Calculator

Measure the annual return on actual cash invested in a property, accounting for leverage and financing.

USD
USD

Cash-on-Cash Return

9.60%

Monthly Cash Flow$600.00
Simple Payback Period10.4 years

Cash-on-Cash Return vs Annual Pre-Tax Cash Flow

Cash-on-Cash Return

Cash-on-cash (CoC) return measures the yield on the actual cash you put into a deal, reflecting the impact of leverage.

Formula

CoC Return = Annual Pre-Tax Cash Flow / Total Cash Invested x 100

Cash Invested Includes

  • Down payment
  • Closing costs
  • Initial repairs and improvements
  • Any cash reserves required by the lender
  • Example Calculation

    An investor puts $75,000 total cash into a deal and receives $7,200 annual pre-tax cash flow.

    1. 01Cash-on-cash return: $7,200 / $75,000 x 100 = 9.60%
    2. 02Monthly cash flow: $7,200 / 12 = $600
    3. 03Simple payback period: $75,000 / $7,200 = 10.4 years

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