Rental Cash-on-Cash Calculator Free

Analyze rental property returns — cash-on-cash, IRR, cap rate, DCR, and 5-year projections

What is this? Cash-on-cash return measures the annual pre-tax cash flow from a rental property as a percentage of your total cash invested (down payment + closing costs + rehab). Unlike cap rate (which ignores financing), cash-on-cash shows the return on YOUR money — making it the clearest measure for investors using a mortgage.

Who it's for: Landlords, real estate investors, and anyone analyzing whether a rental property is a good investment. Also useful for comparing properties with different down payments or financing terms.

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Purchase Details

Purchase Price ($) oninput="calculate()"

Down Payment ($) oninput="calculate()"

Closing Costs ($) oninput="calculate()"

Initial Rehab ($) oninput="calculate()"

Mortgage

Interest Rate (%) oninput="calculate()"

Loan Term

Monthly Income & Expenses

Monthly Rent ($) oninput="calculate()"

Vacancy Rate (%) % of year vacant oninput="calculate()"

Property Tax /year ($) oninput="calculate()"

Insurance /year ($) oninput="calculate()"

HOA /month ($) oninput="calculate()"

Maintenance /year ($) ~1% of value oninput="calculate()"

Property Management /month ($) ~8-10% of rent oninput="calculate()"

Capital Reserves /month ($) for big repairs oninput="calculate()"

Assumptions (for 5-year projection)

Annual Rent Increase (%)

Annual Appreciation (%)

5-year projection: Model shows your projected return if rent increases 3%/yr and property appreciates 3%/yr.

Key Returns

Cash-on-Cash Return

—

annual CF / cash invested

Cap Rate

—

NOI / purchase price

IRR (5-yr)

—

internal rate of return

Monthly Cash Flow

—

after all expenses

Debt Coverage Ratio

—

NOI / debt service

Total Cash Invested

—

down + closing + rehab

🏠 The 50% Rule Benchmark

Estimated non-mortgage expenses: —/mo

50% of rent = —/mo

Cash-on-Cash Rating

—

Negative5%+ Good10%+ Great15%+ Excellent

Annual Income vs. Expenses

Annual

—

5-Year Projection

Assumes 3%/yr rent increase and 3%/yr appreciation. Exit at year 5.

Year	Monthly Rent	Annual CF	Property Value	Loan Balance	Equity	Cum. Cash

Break-Even Analysis

Minimum Rent to Cover Costs

—

/month (before mortgage)

Minimum Rent for Positive CF

—

/month (after mortgage)

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Estimates only. Does not include depreciation, tax implications, or capital gains. Consult a real estate investor and CPA.

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