Short answer: Cash-on-cash return is your annual cash flow after the mortgage divided by the cash you invested (down payment plus closing costs). It measures how hard your own money is working.
This free cash-on-cash calculator uses the same formulas as FirstDoor's full deal score. See exactly how each number is calculated on our methodology page, or learn more in the guide: Cash on cash return explained.
Frequently asked questions
How is cash-on-cash return calculated?
Annual pre-tax cash flow after the mortgage, divided by the total cash invested: down payment plus closing costs.
What is a good cash-on-cash return?
FirstDoor treats 8% or more as strong and under 4% as weak for a first rental.
Is cash-on-cash the same as ROI?
No. It only counts cash flow; broader ROI may include appreciation and loan paydown.
More free calculators
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