Property
Rental debt cover and cash-on-cash Calculator
Assess pre-tax rental cash return and mortgage coverage. This free rental debt cover and cash-on-cash calculator shows the calculation and its assumptions so you can compare your own figures.
Your results
Assess pre-tax rental cash return and mortgage coverage.
Calculated outcomes
- Annual Cash Flow
- €5,300.00
- Net Operating Income
- €18,300.00
- Cash Flow Plus Capital Repayment
- €12,300.00
Assumptions and estimates
- Operating costs exclude mortgage payments; debt service includes capital and interest. Cash-on-cash measures spendable pre-tax cash flow relative to cash invested. Capital repayment builds equity but is not cash income or a deductible expense.
- Method: Net operating income divided by debt service; remaining cash divided by cash invested.
- Debt service includes capital and interest; operating costs exclude both. Equity gain from capital repayment is not cash income.
Useful next steps
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the rental debt cover and cash-on-cash calculation works
Net operating income divided by debt service; remaining cash divided by cash invested.
Debt service includes capital and interest; operating costs exclude both. Equity gain from capital repayment is not cash income.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review debt service coverage ratio and cash on cash return percent, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Full annual rent (€)
- 24000
- Uncollected rent / vacancy (%)
- 5
- Annual non-debt operating costs (€)
- 4500
- Annual capital + interest payments (€)
- 13000
- Total cash invested (€)
- 90000
- Capital within annual debt service (€)
- 7000
- Debt Service Coverage Ratio
- 1.4077×
- Cash On Cash Return Percent
- 5.8889%