Free tool

Cash-on-Cash Return Calculator

The number that tells you what your actual dollars earn on a rental. Enter the deal, get the answer — before you fall in love with the house.

Purchase price ($)

Monthly rent ($)

Down payment (%)

Mortgage rate (% / year)

Property tax ($ / year)

Insurance ($ / year)

Vacancy reserve (%)

7.5% ≈ one month empty per year

Maintenance reserve (%)

10% of rent set aside for repairs

Monthly mortgage (P&I)

Monthly taxes + insurance

Vacancy + maintenance reserves

Total monthly cost

Monthly cash flow

Cash invested (down payment)

Cash-on-cash return

Cap rate (no financing)

Estimates only — not financial advice. Excludes closing costs, PMI, HOA, utilities, and property management. The full methodology (and the traps beginners miss) is in The First Rental Playbook.

Want the complete math — financing, due diligence, and the acquisition checklist?

Get The First Rental Playbook — $19