Cash-on-Cash Return Calculator
Compare a year of pre-tax cash flow with the cash
you actually put into a rental property.
Cash-on-Cash Return Calculator
Cash-on-Cash Return
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Total Cash Invested
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Annual Cash Flow (pre-tax)
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NOI per Year
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Debt Service per Year
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Cap Rate (on price)
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Debt Service Coverage
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Breakdown of cash invested
Cash-on-Cash Return by Down Payment
| Down Payment | Cash Invested (₹) | Debt Service (₹/yr) | Cash Flow (₹/yr) | Cash-on-Cash |
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Assumptions & method
- Cash invested = down payment + closing costs + repairs/renovation + other upfront cash (such as furnishing or a reserve). Loan amount = price − down payment. Closing costs are a percentage of the purchase price.
- Annual cash flow = NOI − debt service. NOI = collected rent − operating costs; collected rent = monthly rent × 12 × (1 − vacancy). Maintenance and management are percentages of collected rent; tax, insurance and other costs are annual amounts.
- Debt service = standard fixed-rate, fully amortising monthly payment × 12 (principal and interest). Financing fees beyond the closing-cost percentage are not modelled.
- Cash-on-cash return = annual pre-tax cash flow ÷ cash invested. It is a one-year figure: it ignores appreciation, principal repaid, rent growth, income tax and the sale.
- The down-payment table recalculates the same property at other down payments, keeping closing costs (as a share of price), repairs and other cash constant.
- Results are estimates, not guarantees or advice.
What is cash-on-cash return?
Cash-on-cash return measures how hard your own cash is working. It takes the cash that a rental property puts in your hands in a typical year, after operating costs and loan payments, and divides it by the cash you had to bring to the deal. That cash is more than the down payment: closing costs, immediate repairs and any other upfront spending count too, which is why this page lists them separately. Because it is based on cash flow after debt service, the figure changes with the loan, so it is a handy way to see the effect of leverage. It does not include the equity you build or the property's value change, so read it alongside the cap rate and a multi-year ROI.