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Cash-on-Cash Return Calculator

Last updated: October 15, 2026

Measure annual pre-tax cash flow as a percentage of cash invested.

Cash-on-cash return

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  • Monthly cash flow: —
  • Annual cash-flow multiple: —
On this page

Quick summary: Measure annual pre-tax cash flow as a percentage of cash invested.

Updated October 14, 2026 • Estimated reading time: 4 minutes
Read the complete guide

What this calculator estimates

Measure annual pre-tax cash flow as a percentage of cash invested.

How to use it

Enter Total cash invested ($); Annual pre-tax cash flow ($). Select Calculate to update the results.

How the calculation works

Annual cash-on-cash return = annual pre-tax cash flow / total cash invested × 100. Monthly cash flow is annual cash flow divided by twelve. The displayed cash-flow multiple is the same annual cash-flow-to-investment ratio without multiplying by 100.

Worked example: starting scenario

Example inputs
Total cash invested ($)100000
Annual pre-tax cash flow ($)12000
Example results
Cash-on-cash return12.00%
Monthly cash flow$1,000.00
Annual cash-flow multiple0.120x

Important limitations

Enter a positive cash investment and the cash flow after operating expenses and debt service. Include acquisition and renovation cash in the investment if relevant. Appreciation, principal repayment, income taxes and sale proceeds are outside this annual cash-flow measure. Negative cash flow produces a negative return.