Cash-on-Cash Return Calculator - Annie Scott Realty Group
Annie Scott Realty Group
Cash-on-Cash Analysis

How hard is your money working?

Calculate Cash-on-Cash Return using internally derived NOI, debt service, and cash flow before tax.

Why do investors track the Cash-on-Cash Return?

Because property value and total return are only part of the story.

The Cash-on-Cash (CoC) Return measures the actual annual return on the capital you have physically invested. It reveals your efficiency in deploying liquid funds, ensuring that your cash is performing at its peak potential. Think of this as the dividend yield on your out-of-pocket investment. While other metrics look at the asset's total performance, CoC Return focuses strictly on your personal capital.

Cash-on-Cash Return
Combined NOI + financing + equity return analysis.
Calculator · CoC Return

Leveraged return

Underwrite return on actual invested cash.

Property Type
Potential Rent Income
$
Vacancy & Credit Loss
%
%
Other Income
$
$
$
$
$
$
$
Operating Expenses
$
$
$
$
$
$
$
$
Financing Inputs
$
$
Auto-calculated
$0
Loan Amount = Purchase Price - Downpayment
%
Years
Equity Input
$
The total out-of-pocket capital required, including down payment, closing costs, and immediate capital improvements.
⚠ Required fields are missing.
Results · Live

Cash-on-Cash Analysis

Annual return on your out-of-pocket investment.

Awaiting your figures

Fill in inputs then calculate.

Cash-on-Cash (CoC) Return
0.00%
ResidentialYield
Leveraged Return Gauge
NOI
$0
Annual Debt Service
$0
CFBT
$0
Total Cash Investment
$0
Monthly CFBT
$0
Loan Amount
$0
Property TypeResidential
Net Operating Income$0
Annual Debt Service$0
Cash Flow Before Tax$0
Total Cash Investment$0
Cash-on-Cash Return0.00%
-

Example & Formula · Investor Education

Cash-on-Cash Return

NOI is derived from property-type-specific income and expenses. CFBT subtracts annual debt service; CoC Return divides CFBT by total cash invested.

Formula
CFBT = NOI − Annual Debt Service
Cash-on-Cash Return = (CFBT ÷ Total Cash Investment) × 100
Step 1
Net Operating Income
$113,200
Residential GOI $183,200 − OpEx $70,000
Step 2
Loan Amount
$2,000,000
$2,500,000 − $500,000
Step 3
Annual Debt Service
$154,632
6% · 25-year amortization
Step 4
Cash Flow Before Tax
−$41,432
$113,200 − $154,632
Step 5
Total Cash Investment
$750,000
Down payment + closing + reserves
Step 6
Cash-on-Cash Return
−5.52%
(−$41,432 ÷ $750,000) × 100
Final Result · Residential
CoC Return = −5.52%

Low Yield: cash flow before tax is negative relative to total cash invested.

© Annie Scott Realty Group LLCEstimates only · not financial advice

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