Free Cash-on-Cash Return Calculator

Enter the purchase, financing, rent and expense assumptions for a rental. The calculator shows monthly cash flow, cash-on-cash return, cap rate and DSCR. The sample numbers are hypothetical, so replace them with your own.

Purchase price ($)Down payment (%)Interest rate (%)Loan term (years)Closing costs ($)Up-front repairs ($)Monthly rent ($)Vacancy (% of rent)Repairs (% of rent)CapEx (% of rent)Management (% of rent)Property tax ($/yr)Insurance ($/yr)Other monthly costs ($)

Estimates for planning only, not financial, tax or legal advice.

What the numbers mean

Cash-on-cash return = annual cash flow ÷ total cash invested (down payment, closing costs and up-front repairs).
Cap rate = annual NOI ÷ purchase price. It ignores financing.
DSCR = NOI ÷ principal and interest. Many lenders look for a cushion above 1.0.
Vacancy, repairs, CapEx and management are percentages of rent. Include management even if you self-manage, to keep the analysis honest.

Read the full guide: How to calculate cash-on-cash return. Comparing properties without financing? Use the free cap rate calculator or read how to calculate cap rate. See it applied in Deal of the Week.

Want the full version?

The Rental Deal Analyzer ($19) adds a five-year projection, a deal score and side-by-side comparisons. Rehabbing? The BRRRR & Flip Analyzer ($24). Both are in the Investor Pack ($39).

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Estimates for planning only. Not financial, lending or tax advice. Jon, Everyone's Landlord