Work out locally the cash-on-cash return and annual cash flow from rent, costs, debt service and the cash invested - no upload.
No. Everything runs in your browser - your file never leaves your device. How this is verifiable
The cash-on-cash return shows what a financed property returns each year on the cash you actually put in. Unlike the cap rate it accounts for financing: from the net operating income (gross rent minus operating costs) the debt service is deducted - that is the interest plus principal on your loan. The remaining annual cash flow is divided by the total cash invested (down payment plus purchase costs plus any renovation).
The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded and nothing is stored. The annual cash flow is gross annual rent minus operating costs minus debt service; the cash-on-cash return is that cash flow divided by the equity times 100. If the cash flow is negative (the debt service exceeds the net income) the calculator shows a negative return - an honest warning sign of a financing that is too tight. For the unlevered comparison of two properties use the cap-rate calculator.
An honest note: this is a first orientation, not a full investment appraisal. The cash-on-cash return looks only at one year of running cash flow - it does not include principal gains (equity build-up), capital growth or tax effects. Enter the operating costs and debt service as accurately as you can. The amounts are shown in euros as an example; the maths applies to any currency. Not investment advice.
| Input formats | Form inputs (no file) |
|---|---|
| Processing | Locally in your browser (JavaScript) |
| File upload | None |
Limitations: A first orientation, not a full investment appraisal. Looks only at one year of running cash flow - without principal gains, capital growth or taxes. A negative cash flow yields a negative return (an honest warning sign). Amounts in euros as an example - the maths applies to any currency. Not investment advice.
No. The calculation runs entirely locally in the browser (pure JavaScript); nothing is sent or stored.
The down payment plus purchase costs (transfer tax, notary, agent) plus any renovation before letting - that is all the money you actually put in. Worked example: a 50,000 euro down payment plus 25,000 euros of purchase costs make 75,000 euros invested; with 1,100 euros of yearly cash flow left after debt service, that is a cash-on-cash return of about 1.5 percent.
The debt service exceeds the net operating income - you top up each month. The return turns negative; that is an honest warning sign, not necessarily a dealbreaker but worth checking.
The cap rate is unlevered and relative to the property value; the cash-on-cash return is levered and relative to your equity. Use both together.