Rental Yield Calculator for Real Estate Investors

This advanced rental yield calculator, designed for real estate investors, helps you analyze the profitability of a single property or multiple properties, calculate precise cash flow, and get a clear picture of the performance of your entire investment portfolio.

Go to the rental income calculator
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More than just a rental income calculator

Identify the risks and calculate your total wealth growth!

When it comes to real estate investing, simply focusing on yield percentages and cash flows isn’t a shortcut to success. We want to offer you the most comprehensive rental yield calculator on the market, which honestly shows how your wealth actually grows.

Our tool combines a traditional mortgage calculator, detailed cash flow analysis, and portfolio management features into a single, clear overview.

Go to the rental income calculator

Key features of the calculator

We've made the calculator as intuitive as possible. By following these instructions, you'll quickly get an accurate picture of your investment's profitability:

  1. Select a property or enter the numbers:You can download information on individual apartments currently for sale with a single click from the menu. You can also manually enter the figures for any other apartment. You can choose separately whether to calculate returns for traditional long-term rentals or furnished short-term rentals (Airbnb)!
  2. Set up financing:Enter the details of the corporate loan and determine the total debt-to-income ratio for the apartment. The calculator uses the banks’ actual logic to accurately calculate your down payment requirement, which automatically includes the transfer tax and the bank’s origination fee. You’ll also see immediately whether the home’s equity is sufficient or if you need additional collateral.
  3. Review the results and assess the risks:Check the cash flow after taxes and the property’s actual return on equity (ROE). You can try the stress test: you’ll immediately see how, for example, a rise in interest rates affects the result, or how a single month of vacancy actually impacts the bottom line when you also factor in the costs of re-renting (e.g., brokerage fees) and the tax benefits derived from them.
  4. Build a portfolio:Click “Add property to portfolio.” You can explore different financing scenarios for the same property or add multiple properties to your portfolio to see how the cash flow and net worth of your entire investment portfolio grow on an annual basis.
  5. Save and download:When you're done, download your portfolio figures to your computer as a PDF report or an Excel-compatible CSV file for further analysis.

Rental Yield Calculator for Real Estate Investors

Procurement information for the item

View details about our properties for sale
Check this box if you want the calculator to automatically load information about an apartment currently for sale on our website. Otherwise, you can enter your own figures directly below.
Helps you identify the item when you add it to your investment portfolio.
The calculator automatically enters 1.5% of the tax-exempt price of the apartment. You can edit the amount manually.
Calculate the return on a short-term rental (e.g., Airbnb)
Select this option if you are renting out a furnished apartment on a daily basis instead of using a standard lease agreement.
The monthly maintenance fee paid to the housing association.

Housing Association Loan

The loan is repaid using the annuity method.
The debt associated with the property, which is deducted from the debt-free price when calculating the bank loan.
The capital contribution has been recognized as revenue for tax purposes
If the fee has been recognized as revenue in the company’s books, it can be deducted directly from rental income (reducing the tax liability). A fee that has been capitalized cannot be deducted.

Bank Financing & Collateral

The loan is repaid using the annuity method.
The arrangement fee charged by the bank is added to invested equity.
Determines the total allowable debt (corporate loan + bank loan) relative to the debt-free price. The down payment (equity requirement) is always calculated based on the debt-free price in accordance with the bank’s requirements.
The actual interest rate on the loan, i.e., the bank's margin plus the reference rate (e.g., 12-month Euribor) combined.
Banks typically accept approximately 70% of the purchase price of the home as collateral for the loan.

Calculation Results

Revenue & Capital

Rental income: 0.0%
Return on Equity (ROE): 0.0%
Invested equity (Down payment): €0
In addition to your down payment, this amount includes the transfer tax and the bank's account opening fee. This is the amount you must have in your account when you go to close the deal.

Breakdown of Financing & Collateral

Mortgage payment / Principal payment (annuity): €0.00 / month
- Interest portion:€0.00
- Principal payment:€0.00
Bank loan payment (annuity): €0.00 / month
- Interest portion:€0.00
- Principal payment:€0.00
Mortgage value of the home at the bank: €0
Required additional collateral: €0

Cash Flow & Taxation

Net rental income / month: €0.00
Estimated tax (30% capital gains tax): €0.00 / month
Cash flow after taxes / month: €0.00

Wealth Growth & Stress Test

The stress test results below are reported as monthly averages. The calculator takes into account, for example, that the costs of subleasing are generally tax-deductible. Therefore, a €1,000 brokerage fee does not reduce your cash flow by a thousand euros; instead, the calculator automatically deducts the tax benefit (30%) from the amount and spreads the final actual cost over 12 months.
Growth in total assets in the first year: €0
- Loan repayments (Hidden income):€0
- Accumulated cash flow:€0
Cash flow if interest rates rise by +2% (monthly): €0.00
In the stress test, take into account the costs of re-leasing
Cash flow, assuming 1 month of inactivity per year (months): €0.00

This is a rough estimate. Please note that this rental yield calculator is intended as a rough estimate to assist with investment planning. The results of the calculation are always based on the input data you provide and general assumptions (such as estimated capital gains tax and banks’ rules of thumb regarding collateral values). Actual returns, expenses, tax implications, loan terms granted by banks, and the need for additional collateral may differ from the estimates provided by the calculator.

We always recommend that you confirm the exact financing terms with your bank and consult with an expert before making any final investment decisions.