FREE SELF-SERVICE MODEL

Rental yield is only the beginning.

Enter your own assumptions for a customer-selected Portuguese rental property. The results show annual and monthly cash flow before income tax, plus a fixed downside scenario.

Model only. Your numbers stay in your browser: the calculator makes no network submission. It does not estimate Portuguese transfer or income taxes automatically or verify the rental assumptions.

01 / PURCHASE & FINANCING

Purchase price (€)

Acquisition costs (€) — your estimate

Loan as % of price

Loan interest rate (%)

Loan term (years)

02 / RENT & RUNNING COSTS

Monthly rent (€)

Annual vacancy allowance (%)

Management as % rent collected

Maintenance as % purchase price/year

Monthly condominium fees (€)

Annual IMI (€)

Annual insurance (€)

PRE-TAX ANNUAL MODEL

Cash flow after debt

—

per month · pre-income-tax

Annual cash flow—

Gross yield—

Net operating yield—

Cash-on-cash, before tax—

Total equity needed—

Monthly mortgage payment—

Annual net operating income—

Annual rent actually collected—

DSCR—

Acquisition costs entered—

FIXED DOWNSIDE TEST

Rent −10% · vacancy +5 percentage points · loan rate +2 percentage points

—per month

Annual stress cash flow —

Assumes a fully amortising loan, constant nominal costs and rent over one illustrative year. Excludes personal income tax, actual loan fees and products, extraordinary repairs, utilities not entered, appreciation, sale costs, currency risk and equity accumulation from principal repayment. Cash-on-cash is not total return. The interest-rate stress assumes the modelled rate changes immediately; fixed-rate contracts may behave differently.

A CLEARER VIEW OF ONE PROPERTY

Need a clearer breakdown?

The proposed review would organise the inputs and assumptions for your own selected property. It does not verify a listing or act on your behalf.

See the sample report