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Free Tool Arena

Money & Finance · Free tool

Cash-on-Cash Return Calculator

Annual cash flow / total cash invested. Factors down payment, closing, rehab, mortgage payment. Break-even month included.

Updated April 2026
Cash-on-cash return
3.53%
Tier: below average
Annual cash flow
$3,036.83
Monthly cash flow
$253.07
Mortgage payment $1,496.93/mo
Break-even month
Month 340
Cash invested $86,000.00

8%+ is the common “good deal” threshold for long-term rentals. Mortgage uses a standard amortization formula.

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What it does

The investor metric that matters most when financing: annual cash flow as a % of cash you actually put in. Break-even month included.

Runs entirely in your browser — no upload, no account, no watermark. For more tools in this category see the full tools index.

Embed this tool on your siteShow snippet

Paste this snippet into any page. Loads on-demand (lazy), no tracking scripts, and sized to most dashboards. Replace the height to fit your layout.

<iframe src="https://freetoolarena.com/embed/cash-on-cash-return-calculator" width="100%" height="720" frameborder="0" loading="lazy" title="Cash-on-Cash Return Calculator" style="border:1px solid #e2e8f0;border-radius:12px;max-width:720px;"></iframe>
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How to use it

  1. Enter cash invested + loan terms.
  2. Enter rent and expenses.
  3. Read cash-on-cash %.

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