Real Estate Cash Flow Calculator

Inputs

Example values are loaded by default. Update any field to model your own scenario.

Property

Purchase Price (€) Closing Costs (%) Monthly Rent (€) Expected Vacancy (months/year)

Financing

Enter your own capital contribution. Loan Amount and Loan-to-Value (LTV) are derived automatically.

Equity (€) Enter your own capital contribution. Loan amount and LTV are derived automatically. Interest Rate (% p.a.) Loan Term (years)

Ongoing Costs

Maintenance Reserve

Maintenance Reserve (% of Purchase Price) Non-recoverable Costs (€/year) Example: non-recoverable service charges, insurance, administration, and smaller ongoing costs.

Optional

Annual Appreciation (%) Default is 0% for a conservative baseline.

Results

All values update live as you change the inputs.

Loading assessment

Investment Overview

Closing Costs
Total Investment
Loan Amount
Loan-to-Value (LTV) — automatically calculated

Rental and Cost Base

Annual Rent (adjusted)
Maintenance Reserve
Non-recoverable Costs

Financing

Annual Debt Service / Annuity
Interest Portion Year 1
Principal Repayment Year 1

Cash Flow

Cash Flow (before financing) — before debt service
Free Cash Flow — after full financing
Free Cash Flow / Month

Wealth Effect

Equity Build-up (Principal Repayment)
Total Annual Wealth Gain
Total Wealth Gain (with appreciation)

Return

Return on Equity (ROE)
ROE incl. Appreciation