Rental yield calculator
Work out the gross and net yield of a long-term rental: rent, running costs, empty months and what you paid. Free, no sign-up.
What the flat earns over the years
Pick a period and your own assumptions. The bars add up the net income from rent each year, plus what the flat gains in value; the dashed line is everything you put in.
Year by year
| Year | Rent collected | Your costs | Net income | Cumulative | Flat value |
|---|---|---|---|---|---|
| 1 | €9,900 | €960 | €8,940 | €8,940 | €200,000 |
| 2 | €10,098 | €979 | €9,119 | €18,059 | €200,000 |
| 3 | €10,300 | €999 | €9,301 | €27,360 | €200,000 |
| 4 | €10,506 | €1,019 | €9,487 | €36,847 | €200,000 |
| 5 | €10,716 | €1,039 | €9,677 | €46,524 | €200,000 |
| 6 | €10,930 | €1,060 | €9,870 | €56,395 | €200,000 |
| 7 | €11,149 | €1,081 | €10,068 | €66,462 | €200,000 |
| 8 | €11,372 | €1,103 | €10,269 | €76,732 | €200,000 |
| 9 | €11,599 | €1,125 | €10,475 | €87,206 | €200,000 |
| 10 | €11,831 | €1,147 | €10,684 | €97,891 | €200,000 |
Before income tax. Growth rates are your assumptions, not a forecast; rents, costs and prices can also fall.
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Your numbers, the chart and the year-by-year table in a tidy report.
How it is calculated
Gross yield is the annual rent divided by the value of the flat. It is the number usually quoted in listings, and it ignores costs and empty months.
Net yield takes the rent you actually collect (12 months minus empty ones), subtracts the costs you pay as the owner, and divides by everything you have put in: the value of the flat, purchase costs and renovation.
Income tax on rent is not included, because it depends on your situation. The difference between gross and net is usually what surprises landlords most.
Questions
What is the difference between gross and net rental yield?
Gross yield is annual rent divided by the property value. Net yield subtracts what the flat costs you (reserve fund, insurance, repairs, empty months) and divides by everything you invested, including purchase costs and renovation. Net is the one that tells you what the flat really earns.
Should I use the price I paid or today's value?
Use today's value if you want to compare the flat with other investments, and the price you paid if you want to see the return on your own money. For an inherited flat, use the value.
Which costs belong in "monthly costs"?
Only what you pay as the owner: the building reserve fund, insurance, property tax, maintenance and repairs, and any utilities you cover. Bills the tenant pays do not belong here.
Track the real number, every month
Rentabl calculates gross and net yield for each flat from your actual rent and bills — and reads the bills for you.
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