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Rental cash-on-cash return calculator UK

Compare annual before-tax rental cash flow with the actual cash invested. Check the formula, worked example and limits before using your own figures.

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Your estimate

Before-tax cash-on-cash return

7%
Annual cash flow£3,500.00

Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. No capital growth or tax. Mortgage capital repayments reduce cash flow but are not treated as a tax deduction. Use a consistent definition of cash invested.

How the rental cash-on-cash return calculator uk works

Cash-on-cash return = (rent − operating cash costs − finance payments) ÷ invested cash × 100.

Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.

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Worked example: rental cash-on-cash return

This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.

Annual rent collected (£)
12,000
Annual operating cash costs (£)
2,500
Annual finance cash payments (£)
6,000
Initial cash invested including purchase costs (£)
50,000

Before-tax cash-on-cash return: 7%

Cash-on-cash return = (rent − operating cash costs − finance payments) ÷ invested cash × 100.

Rental cash-on-cash return: questions answered

What does the rental cash-on-cash return calculation include?

Cash-on-cash return = (rent − operating cash costs − finance payments) ÷ invested cash × 100. Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. No capital growth or tax. Mortgage capital repayments reduce cash flow but are not treated as a tax deduction. Use a consistent definition of cash invested.

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Using your result

Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.

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