Property Cash-on-Cash Return Calculator
Calculate the cash-on-cash return of a property investment.
About the Property Cash-on-Cash Return Calculator
The Property Cash-on-Cash Return Calculator gives you a clear, instant answer to a question that usually means digging through tables or guessing — enter your numbers and read the result straight away.
Is that plot or apartment a good investment? This Property Cash-on-Cash Return Calculator computes the return on a property purchase — combining rental yield, capital appreciation and the costs of holding it — so you can compare property with other investments like mutual funds or bank deposits.
The two numbers that matter are rental yield (annual rent divided by price) and appreciation (how much the property grows each year). Together they form the total return, which this calculator shows alongside the holding costs that eat into it.
In Pakistani cities, residential plots have historically appreciated faster than houses, while houses and apartments generate rental income. The right choice depends on whether you want income or growth — this tool lets you model both.
Remember that property is illiquid: buying and selling carries registration, stamp duty and agent costs that can consume years of yield. Factor those in when comparing with liquid investments, and treat the return here as the gross picture before transaction costs.
For the most accurate outcome from the Property Cash-on-Cash Return Calculator, keep the editable rates and defaults up to date with current figures before reading the result.
How to evaluate a property investment
- 1
Enter the property's purchase price and annual rental income, if rented.
- 2
Enter the expected annual appreciation rate.
- 3
Read the rental yield, total return and payback, updated live.
- 4
Compare the result with other investment options before deciding.
Frequently Asked Questions
What is cash-on-cash return?
It measures the return on the cash you actually put in (down payment + closing costs), ignoring financed amounts: annual cash flow ÷ cash invested.
What is a good rental yield in Pakistan?
Residential yields typically range 3–6% of property value per year, with commercial properties often higher. Capital appreciation, not rent, has been the main driver of Pakistani property returns.
What costs reduce my property return?
Registration fees, stamp duty, property tax, maintenance and agent commissions. On a typical sale these can total 5–8% of the price, which matters over short holding periods.