AZCalculate logo

Real Estate

Investment Property Calculator

Use this investment property calculator to calculate analyze investment property cash flow, yield, and cash-on-cash return.

investment propertycash flowcash on cash

Calculator

Calculate instantly

Calculator Inputs

Choose what you want to calculate, enter realistic values, adjust units where shown, and use the scenario section for repeated-use planning.

Input and Formula Breakdown

This calculator applies the formula Cash-on-cash return = annual cash flow / cash invested. Enter each value with the matching unit, and AZCalculate updates the result instantly.

Monthly rent
2,500 $
Monthly expenses
900 $
Monthly mortgage
1,200 $
Cash invested
90,000 $
Monthly cash flow
$400.00
Annual cash flow
$4,800.00
Cash-on-cash return
5.33%

Scenario and Comparison

Current

$400.00

Projected

4,800

Adjusted

440

Visual Comparison

Current result400
Projected usage4,800
Comparison scenario440

Sign in to save this calculation and access it later.

Sign inCreate account

Trust note

Important estimate

This calculator is informational and should be verified before financial, health, legal, engineering, laboratory, or safety-critical decisions.

High risk contextDifficulty: advancedConfidence estimate: 87/100Reviewed 2026-05-18Reviewed by: Real estate content reviewerCalculator vuces-2.1 / Formula vformula-1.03 sources listed

Formula and Explanation

Cash-on-cash return = annual cash flow / cash invested

This calculator applies the formula Cash-on-cash return = annual cash flow / cash invested. Enter each value with the matching unit, and AZCalculate updates the result instantly.

Variable descriptions

rent($)
Monthly rent: Monthly rent measured in $, entered as a known value.
expenses($)
Monthly expenses: Monthly expenses measured in $, entered as a known value.
mortgage($)
Monthly mortgage: Monthly mortgage measured in $, entered as a known value.
cashInvested($)
Cash invested: Cash invested measured in $, entered as a known value.

Formula Notes

  • Use consistent units for values that are multiplied, divided, or compared.
  • Results may be rounded for readability, while the calculator keeps greater precision internally.
  • Real-world measurements and assumptions can introduce small differences from the calculated estimate.

Common uses

  • Compare property deals
  • Estimate investor return
  • Plan financing

Assumptions

What this calculation assumes

  • Local taxes, financing, insurance, vacancy, maintenance, and closing costs can change results.
  • Rent, value, and appreciation assumptions should match the same property and period.
  • Inputs are assumed to describe the same scenario and use compatible units.
  • Results may be rounded for readability.

Avoid mistakes

Quick checks before you rely on the result

  • Using gross rent when net rent is required.
  • Ignoring vacancy, maintenance, financing, tax, or closing costs.
  • Mixing units, periods, currencies, or measurement systems without converting first.
  • Rounding intermediate values too early.

Step-by-Step Explanation

Follow the reasoning, not only the final number.

  1. 1

    Set up the calculation

    Enter the known values in the calculator fields.

    Starting with clearly defined values and units prevents the most common calculation errors.

  2. 2

    Work through step 2

    Keep the units consistent with the labels shown beside each input.

    This step transforms the known values into the form required by the formula.

  3. 3

    Work through step 3

    Apply the formula: Cash-on-cash return = annual cash flow / cash invested.

    This step transforms the known values into the form required by the formula.

  4. 4

    Interpret the result

    Review the primary result and supporting values.

    Compare the result with your real-world goal, such as compare property deals.

Worked example

Practical investment property calculator example

Known values

  • Monthly rent: 2,500 $
  • Monthly expenses: 900 $
  • Monthly mortgage: 1,200 $
  • Cash invested: 90,000 $

Calculation

  1. 1. Start with the known values shown for this investment property calculator scenario.
  2. 2. Substitute those values into Cash-on-cash return = annual cash flow / cash invested.
  3. 3. Evaluate the expression and keep the requested unit and rounding.

Result and meaning

Monthly cash flow: $400; Annual cash flow: $4,800; Cash-on-cash return: 5.33%

Calculator guide

About this Investment Property Calculator

Analyze investment property cash flow, yield, and cash-on-cash return. This page includes an interactive calculator, concise formula notes, worked examples, FAQs, related calculators, and practical guidance you can revisit whenever needed.

investment propertycash flowcash on cash

References

Sources used for this calculator

Found something that does not look right?

We work hard to keep every calculator accurate and useful. If you notice a calculation error, missing option, or unclear explanation, please let us know so we can review and correct it promptly.

Report an Issue

Calculator usage

Usage information loads after the calculator is ready.

FAQ

Investment Property Calculator FAQs

How does the investment property calculator work?+

It uses Cash-on-cash return = annual cash flow / cash invested and calculates the result from the values you enter.

Can I copy or print the result?+

Yes. AZCalculate calculator pages include copy, share, and print actions.

What affects rental yield?+

Rent, property value, vacancy, maintenance, management, tax, and financing all affect yield.

Can this replace professional valuation?+

No. It is a planning estimate and should be checked with local market data and professional advice.

How should I use this calculator result?+

Use it as an estimate and compare it with the formula, assumptions, and examples shown on the page.

Why can real-world results differ?+

Real-world inputs can include local rules, changing rates, measurement tolerances, and conditions outside the core formula.

What information do I need for the investment property calculator?+

Enter the known values requested by the calculator. Use the unit selectors where available and make sure the values describe the same scenario.

How accurate is the investment property calculator?+

The calculator follows the formula shown on this page. Accuracy depends on the values, units, assumptions, and rounding used in your scenario.

Related tools

Related Calculators

Continue with closely related tools selected from the same subject and matching calculation needs.

Real Estate

Stamp Duty Calculator

Estimate stamp duty or transfer tax from purchase price and local rate.

Real Estate

Agent Commission Calculator

Calculate real estate agent commission split and seller net after commission.

Real Estate

Rent Increase Calculator

Calculate new rent after percentage or fixed rent increase.

Real Estate

Rent Split Calculator

Split rent by room size, people, or custom share.

Explore all Real Estate calculators
Investment Property Calculator - AZCalculate | AZCalculate