Investment Property Calculator
Check the profitability of a property as investment. With rental yield, tax effects and value appreciation. Online calculator with current 2026 market rates.
Gross Rental Yield
4.32%
Net Rental Yield
2.59%
Monthly Cash Flow
-€392.42
Investment
Annual Income Statement
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What return can I expect from an investment property?
Gross rental yield in Germany typically ranges from 3-6% depending on location. Net yield after deducting management costs, maintenance reserves, and vacancies is usually 1-3 percentage points lower.
What tax advantages do investment properties offer?
Landlords can deduct depreciation (2-3% per year), loan interest, maintenance costs, and management expenses. After ten years, capital gains from property sales are tax-free.
Are my entered amounts stored anywhere?
No. All calculations happen exclusively in your browser. Your inputs are never sent to our server or stored. You can safely enter sensitive financial data.
Guide
Quick Answer
This calculator computes the return and viability of a property as an investment, including rental yield, cash flow and tax effects.
What is the Investment Property Calculator?
This calculator computes the return and viability of a property as an investment, including rental yield, cash flow and tax effects.
How does the Investment Property Calculator work?
Enter purchase price, ancillary costs, rental income and financing details. The calculator determines gross and net rental yield, monthly cash flow and tax benefits through depreciation and income-related expenses. The return on equity is also shown.
Key Data and Facts
Gross rental yield = annual cold rent / purchase price. Net yield after operating costs (approx. 20-30%). Residential depreciation: 2-3% straight-line. Vacancy risk: approx. 2-4%.
Step-by-Step Guide
How to calculate the return on an investment property step by step: 1. Determine the purchase price and ancillary costs: purchase price + real estate transfer tax + notary + broker if applicable = total investment. 2. Determine the annual net cold rent: monthly cold rent x 12. 3. Gross rental yield: annual cold rent / purchase price x 100. 4. Deduct operating costs: property management, maintenance, rent default risk (about 20-30 % of the rent). 5. Net rental yield: (annual cold rent - operating costs) / total investment x 100. 6. Calculate the cash flow: net rental income minus loan instalment. 7. Tax advantages: AfA (2-3 % on the building value), interest and income-related expenses are deductible. Example: condominium 200.000 EUR, ancillary costs 20.000 EUR. Cold rent 800 EUR/month = 9.600 EUR/year. Gross rental yield: 9.600 / 200.000 = 4,8 %. Operating costs (25 %): 2.400 EUR. Net rental yield: 7.200 / 220.000 = 3,27 %. Financing: 180.000 EUR loan, 3,5 % interest, 2 % repayment. Monthly instalment: 825 EUR. Monthly cash flow: 800 - 825 = -25 EUR. AfA (2 % on 160.000 EUR building value): 3.200 EUR/year tax relief.
Calculation Example
Wohnung 200.000 EUR + 20.000 EUR Nebenkosten. Kaltmiete 800 EUR/month. Bruttomietrendite: 4,8 %. Nettomietrendite: 3,27 %. Darlehen 180.000 EUR, rate 825 EUR/month. Cashflow: -25 EUR/month. AfA-Vorteil: 3.200 EUR/year.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Deutsche Bundesbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
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