Synthetic model · medium confidence
Decide
Keep on deposit
- Annual cash-on-cash
- 4.00%
- XIRR · ACT/365
- 4.00%
- Liquid cash at horizon
- $243,330.58
Repay a loan
- Annual cash-on-cash
- 8.00%
- XIRR · ACT/365
- 8.00%
- Liquid cash at horizon
- $80,000.00
Buy rental apartment
- Annual cash-on-cash
- 7.05%
- XIRR · ACT/365
- 7.05%
- Liquid cash at horizon
- $270,500.00
Illustration, not financial advice. USD inputs; RU displays at demo FX. No tax, inflation, appreciation or transaction costs. Rental: 5% vacancy, sale at purchase price at horizon. Deposit: annual compounding. Loan: equal starting debt repaid now; simple annual interest savings, no sale proceeds.
Cash-on-cash = first-year cash income / starting capital. XIRR uses dated annual flows and terminal proceeds. Liquidity includes an assumed property sale; loan repayment releases no principal cash.
Loan XIRR includes the avoided principal as terminal economic value; that principal is not liquid cash.
As of 2026-10-29 · Synthetic model · medium confidence