CoC Return Calculator
Evaluate the ROI of your rental property investments.
Cash-on-Cash Return Inputs
Enter your rental property's financial details to calculate its performance.
Formulas Used
Cash-on-Cash Return
Cash-on-Cash Return (%) = (Annual Pre-Tax Cash Flow ÷ Total Cash Invested) × 100
Net Annual Cash Flow
Net Annual Cash Flow = Gross Rental Income – Operating Expenses – Mortgage Payments
Sample Output Table
| Input Variable | Example Value | Description |
|---|---|---|
| Gross Rental Income | $60,000 | Total annual rental income |
| Operating Expenses | $20,000 | Maintenance, taxes, insurance, etc. |
| Mortgage Payments (Yearly) | $15,000 | Principal + interest payments |
| Net Annual Cash Flow | $25,000 | Rent – Expenses – Debt |
| Total Cash Invested | $105,000 | Down payment + closing costs |
| Cash-on-Cash Return (%) | 23.81% | 25,000 ÷ 105,000 × 100 |
User Guide & FAQ
How do I calculate cash on cash return?
Divide your net annual cash flow (inflow minus operating and debt costs) by your initial cash investment. Multiply by 100 to get the percentage return.
What is a good cash-on-cash return?
A solid target is generally between 8%–12% in real estate, but higher returns are possible for well-leveraged or high-yield properties.
Why use cash-on-cash return calculator?
It helps you quickly gauge investment income performance based solely on actual cash outlay—not debt or appreciation—making it especially useful for financed properties.
What’s the difference between CoC return vs ROI?
Cash-on-cash focuses on annual cash income over cash invested, excluding appreciation or sale proceeds. ROI considers total monetary return (including asset sale) over the total investment.