PLAN YOUR INVESTMENT
Rental investment calculator
Look beyond the headline yield. See what a rental property could leave in your pocket after running costs, finance and a replacement reserve.
Start with an example
The starting figures are hypothetical, matching our investment guides. Replace them with property-specific quotes. All amounts are in euros.
Your annual picture
Before income tax · illustrative estimate
Gross yield
7.20%
Scheduled annual rent ÷ purchase price.
Net operating yield
4.27%
Rent after vacancy and operating costs ÷ price plus buying and setup costs. Before finance and income tax.
Monthly cash available
€50.00
Annual cash after debt payments and replacement reserve ÷ 12. An average, not a monthly payment schedule.
Cash-on-cash return
0.67%
Annual cash after debt payments and replacement reserve ÷ your initial cash, including the working reserve.
- Purchase & setup total
- €225,000.00
- Your initial cash
- €90,000.00
- Monthly loan payment
- €700.00
Follow the money
- Scheduled annual rent
- €14,400.00
- Less vacancy
- -€1,200.00
- Expected rent collected
- €13,200.00
- Less operating costs
- -€3,600.00
- Net operating income
- €9,600.00
- Less annual loan payments
- -€8,400.00
- Cash flow before replacement reserve
- €1,200.00
- Less replacement reserve
- -€600.00
- Annual cash available
- €600.00
What if the year is harder?
Operating costs stay fixed. Vacancy is capped at 12 months; the extra month only removes rent that is still available.
Up to one extra vacant month
-€600.00
per year, after reserve
Extra vacancy + €100/month higher loan payment
-€1,800.00
per year, after reserve
How to read the results
Gross yield assumes 12 paid months. Net yield includes IBI and other operating costs, but excludes finance and income tax. Cash flow deducts the full loan payment. Appreciation and loan principal repaid are not rental cash income. The replacement reserve is an allocation, not a tax deduction; do not count a repair funded from it twice. Deposits are not rental income. Taxes, future rent changes and selling costs are not modelled. Confirm rental permission and your tax position independently.
Method & further reading
Understand the numbers
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