Cash-on-Cash Calculator
The return on the cash you actually put in — after the mortgage.
The ZIP includes the tool, instructions, license and example project.Cash-on-cash return + annual cash flow
- Rent
- Expenses
- Vacancy
- Mortgage payment
- Cash invested
| Effective monthly income | $1,710 |
| − Operating expenses | −$450 |
| − Mortgage (P&I) | −$950 |
| Monthly cash flow | $310 |
| Annual cash flow | $3,720 |
- One HTML file — double-click to open in Chrome, Edge, Firefox or Safari. No install.
- Works fully offline. No account, no subscription, nothing sent anywhere.
- Bilingual — switch English / Spanish with one click.
- Save unlimited scenarios (one property each) and compare them side by side.
- Save / Open your work as a file you own — Documents, Dropbox, USB.
- Clean one-page Print / PDF report.
- Instructions in English and Spanish, license and example file included.
HOW CASH-ON-CASH WORKS
Cash-on-cash return is your annual pre-tax cash flow divided by the total cash you put into the deal — down payment, rehab and closing costs. Unlike cap rate, it accounts for your financing, so it reflects what your own money actually earns. Lenders and partners care about it because it answers a simple question: for every dollar you invested, how many cents come back each year?
Read the BRRRR guide →CRIM Property Tax Estimator
Estimate the annual CRIM contribución from the assessed (1957) value, exemption and your municipality's rate — before you buy, bid or sign.
Max Bid Calculator
The most you can bid and still hit your minimum profit. Write it down before the auction — never bid a dollar past it.
Fix & Flip Calculator
Net profit and ROI from purchase, rehab, holding, closing, ARV and selling costs — the costs beginners forget, included.
BRRRR Calculator
How much cash you pull back out at the refinance, and whether the property still cash-flows after.