Decision support
ROI calculator
Estimate the return on a rental investment using your own purchase, financing and operating figures.
Cash-on-cash return
3.88%
On €68,000 invested cash
Annual cash flow
€2,640
€220 per month after costs and mortgage
Unleveraged return
5.31%
Net rental income against the full purchase cost, ignoring financing.
Payback period
25.8 years
Time to recover your invested cash from cash flow alone.
How this tool works
About the ROI calculator
The return calculator works from the cash you put in and the cash the property produces. Purchase price, purchase costs, renovation and any financing are set against rental income and running costs to give an annual return on the capital you have actually invested.
Because both sides are your own figures, the result reflects your deal rather than a market average. Running the same property with a higher vacancy allowance or a larger maintenance budget shows how sensitive the return is to the assumptions you are least sure about.
What this result does not tell you
- Results depend entirely on the inputs; an optimistic rent or an omitted cost produces an optimistic return.
- The calculation does not forecast capital growth, future rent levels or resale value.
- Tax treatment differs by owner and structure and is not modelled here.
Questions