Property Calculators

Compute gross and net rental yield for an apartment in any major European city.

Project total return on a buy-to-let purchase over 5-10 years.

Monthly mortgage payment, total interest paid, and amortisation summary.

What happens to your monthly payment if rates climb? European banks now run a stress test of +3pp by default (ECB guidance).

Does refinancing your mortgage actually save money? Compares your current loan terms against a new rate, factoring in early-repayment penalties and refinancing fees to show the break-even point.

How much apartment can you afford on your salary and savings? Uses standard European bank thresholds (max ~33% of net income on housing, max ~5x gross income borrowing) and benchmarks the answer against your target city's median price.

Total one-off costs to close on a European apartment: transfer tax, notary, agency, registry, legal.

Estimate the capital-gains tax you'll owe when selling a European property.

How many years of renting cost the same as buying outright in your target city? Side-by-side total cost over a horizon you choose, with the city's median sale and rent pre-filled.

Side-by-side comparison of two cities on the things property buyers actually care about: sale price, monthly rent, household income, and what one euro of salary buys in housing terms.

For non-EUR buyers: project total return of a euro-denominated property in your home currency.

How long will it take to save the down payment for an apartment in your target city? Pre-filled with local median prices and assumes you invest your savings at a realistic euro money-market or bond rate.