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Cash-on-Cash Return Calculator

Calculate the annual return on the actual cash you invested in a rental property.

How this is calculated
Cash-on-cash return = Annual cash flow ÷ Total cash invested × 100

Assumptions used in this calculation

  • Pre-tax cash flow: Uses pre-tax cash flow, it doesn't account for income tax on rental income or any deductions like depreciation.
  • Total cash invested: Assumes the cash invested figure you enter already captures all upfront cash, down payment, closing costs, and any initial repairs, not just the down payment alone.

About this calculator

The cash-on-cash return calculator divides a property's annual pre-tax cash flow by the total cash actually invested (down payment, closing costs and any upfront repairs), a metric that, unlike cap rate, accounts for financing.

Worked example

₹1,80,000 annual cash flow on ₹15,00,000 cash invested

Result: Cash-on-cash return = 12%

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