Cash-on-Cash Return Calculator
The cash-on-cash return calculator measures your annual pre-tax cash flow against the total cash you've invested — the clearest measure of how quickly your money is working for you.
Why Calculate Your Cash-on-Cash Return?
Cash-on-cash return answers the most practical question an investor can ask: "How much cash am I actually earning on the cash I put in?" Unlike cap rate, it accounts for your mortgage payments, giving you a realistic picture of what ends up in your pocket each year. A property might have a solid 7% cap rate, but after debt service, your cash-on-cash return might be 4% or 12% depending on your financing terms. This metric helps you compare real estate investments against other options like index funds or bonds on an equal footing. Hoozzee's built-in accounting tracks every rent payment, expense, and mortgage draw, giving you live cash-on-cash visibility across your entire portfolio.
How to use this calculator?
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Enter the property purchase price and your down payment percentage.
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Add closing costs to establish total cash invested.
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Enter annual gross rental income from all units.
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Add annual operating expenses (taxes, insurance, maintenance, management, vacancy).
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Enter annual mortgage payments (principal and interest).
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The calculator shows your cash-on-cash return, annual pre-tax cash flow, and how you compare against common investor benchmarks.