Cash-on-Cash Return Calculator
The SolversPro Cash-on-Cash Return Calculator is a free browser-based real estate finance tool that measures the annual cash yield of an investment property relative to your actual out-of-pocket cash capital in real time.
Cash-on-Cash Return
0%
Annual Cash Flow
$0
Total Invested
$0
The Formula
CoC Return = (Annual Pre-Tax Cash Flow / Total Cash Invested) × 100
Annual Pre-Tax Cash Flow = Net Operating Income (NOI) - Annual Debt Service
Total Cash Invested = Down Payment + Closing Costs + Initial Repairs
Real Estate Investment Yield & Metric Reference
Comparative metrics used by property investors to evaluate cash flow, total returns, and equity yields.
| Yield Metric | Calculation Formula | Target Benchmark | Primary Use Case |
|---|---|---|---|
| Cash-on-Cash (CoC) | (Annual Cash Flow / Cash Invested) × 100 | 8% – 12% | Leveraged cash flow yield on actual equity out-of-pocket |
| Cap Rate | (NOI / Property Value) × 100 | 5% – 10% | Unleveraged market asset yield comparison |
| Total ROI | (Total Profit / Total Cost) × 100 | 10% – 15%+ | Includes cash flow, amortization, and appreciation |
| Gross Rent Multiplier | Purchase Price / Gross Annual Rent | 6 – 8 (lower is better) | Rapid screening metric before deep property underwriting |
Frequently Asked Questions
Cash-on-cash return is a metric used in real estate investing to measure the annual income earned on the actual cash invested in a property. It's expressed as a percentage and helps investors evaluate the yield of an investment property over a one-year period.
A 'good' return varies by investor and market, but generally, investors aim for a cash-on-cash return of 8% to 12%. Returns above this are considered excellent, but higher returns often come with higher risk or require significant hands-on property management.
ROI (Return on Investment) considers the total return on the total value of the investment, including debt payoff and property appreciation. Cash-on-cash return only measures the annual cash flow relative to the actual cash you put in out-of-pocket (down payment, closing costs, repairs).
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