Cash-on-Cash Return Calculator
CoC return measures the annual cashflow as a percentage of the cash you actually put in — deposit, purchase tax, and fees. Use direct input for a quick estimate, or model from a full property to derive cashflow automatically.
Enter cashflow and investment
CoC return will appear here.
Frequently asked questions
What is cash-on-cash return?
Cash-on-cash return measures annual pre-tax cashflow as a percentage of the actual cash you put into the deal — typically deposit, stamp duty, and purchase fees — rather than the full property value.
How is CoC different from rental yield or ROI?
Rental yield is measured against the purchase price, ignoring financing. Cash-on-cash return is measured against the cash you actually invested, so it reflects the impact of leverage — a mortgaged deal typically shows a different CoC than its rental yield.
What cash costs should I include as “cash invested”?
Deposit, stamp duty (SDLT/LTT/LBTT), legal fees, survey fees, and any upfront refurbishment costs. The property model mode derives this automatically from deposit and purchase tax.
What's a good cash-on-cash return for UK buy-to-let?
A cash-on-cash return of 6–10% is a common target for UK buy-to-let investors, though acceptable returns vary by market, financing structure, and risk appetite.