Calculator
Does the rental pay off?
The full case for a buy-to-let: financing, rental cash flow, depreciation and tax, appreciation and the sale - down to the return on equity per year.
Hold
Return on equity p.a.
8.1 %15 y
Top-up/mo
−318 €
Equity in the property280.104 €
Gross yield4 %
Net yield2.9 %
Loan315.000 €
Rate/mo1.444 €
Value after 15 y471.054 €
Loan left190.950 €
Total profit after sale156.028 €
Estimates without guarantee. Depreciation, marginal tax rate and building share are simplified assumptions; the actual tax treatment depends on your situation. Not tax or investment advice.