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Yield calculator

See in real time what the property really returns.

Put in purchase price, rent, costs and financing, and you see at once what is left every month, plus rental yield, return on equity, how your assets develop over the years and how it behaves when interest rates rise. Everything is worked out on your figures, nothing is invented.

Property data

Incidental purchase costs

Pre-set with the rate for Europe (general), together 7,99 % of the purchase price. The bank analysis and the financing tab use the same rate, so that only one figure appears in the report.

Financing

Tax and outlook

No separate tax figure is stored for this country. Depreciation and tax rate are simplified assumptions and should be checked in the country before you decide.

Needs money every month

After tax this property costs you € 434 per month out of your own pocket. Total return over 10 years: 12,8 % p.a.

Investment

Incidental purchase costs€ 23.970
Total investment€ 323.970
Loan€ 300.000
Equity€ 23.970
Debt service per month€ 1.375

Cashflow per month

Net cold rent€ 1.000
Running costs-€ 120
Interest-€ 875
Repayment (builds assets)-€ 500
Tax€ 61
Cashflow after tax-€ 434

Key figures

Purchase price per m²€ 5.000
Gross rental yield4 %
Net rental yield3,3 %
Multiple (price / annual rent)25
Break-even rent per month€ 1.495
Debt service coverage (DSCR)0,64 · covers 64 % of the debt service
Cash-on-cash return p.a.-21,7 %
Return on equity p.a.28,3 %

Outlook after 10 years

Value of the property€ 365.698
Loan still outstanding-€ 229.612
Net assets€ 136.087
Loan to value62,8 %
Loan repaid after29,4 years
Accumulated cashflow (10 yr)-€ 56.455
Total gain after tax€ 55.662
Total return on equity p.a.12,8 %

Stress test: rate rises to 5,5 %

Debt service per month€ 1.875
Cashflow after tax-€ 724

Works only on the figures you enter. An orientation, not tax, investment or financing advice. Check the figures with your bank and your tax adviser before you decide.

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What is English here, and what is not

The marketing pages you can reach from the menu above are written in English. Pages that are still German only are marked with a small DE in the footer. The analysis tool itself, the sign-in page and the sample report are currently German.

Legal texts stay in German on purpose. A machine translation of a liability clause is worth nothing in a dispute, and the German wording is the one that counts. You can read them under legal notice, privacy and terms.

Our newsletter is a German PDF, and a few illustrations on this site still show German labels, for example the example floor plan and the newsletter cover. We would rather say so than hide it behind an English caption.