Currency-Adjusted Property ROI

For non-EUR buyers: project total return of a euro-denominated property in your home currency. Adds expected FX moves to property appreciation and rent — useful for UK, US, Swiss, Scandinavian buyers picking between European markets.

Inputs

yr
%
%
%

Results

Purchase price in home currency
€255,000
Exit value (EUR)
€347,782
Projected FX at exit
×0.85
Exit value in home currency
€295,615
Cumulative net rent (home)
€51,000
Total return in home currency
+35.9%
FX share of return
+0.0%

Frequently Asked Questions

Does FX risk matter when buying European property?

For non-EUR buyers, yes — it can dominate the return. A 5-year hold with EUR moving ±10% vs your home currency shifts total return by 10pp before any property gain. UK and US buyers historically suffered FX drag in 2014-2016 and post-Brexit, then benefited from EUR rallies 2020-2022.

Can I hedge FX on a property purchase?

For the exit value, you can forward-hedge if the hold period is fixed — but most retail buyers don't. The rent cash flow is harder to hedge cleanly because it accrues over years. Many buyers accept the FX exposure as part of geographic diversification.