🏢 Rental Yield Calculator
Calculate the profitability of a rental property in France: gross yield, net yield, cash flow and return on your deposit, in euros, to make informed investment decisions.
🏠 Property Details
💰 Financing (Optional)
💸 Annual Expenses
📈 Investment Analysis
Annual Income & Expenses
💰 Income
💸 Expenses
🏦 Financing
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About Rental Yield Calculator
This rental yield calculator helps investors analyze the profitability of a rental property in France (amounts in euros). Calculate multiple metrics including gross yield, net yield, cash flow, ROI, and cap rate to make informed investment decisions.
Features
- Gross Rental Yield: Simple calculation of annual rent divided by purchase price.
- Net Rental Yield: Actual return after deducting all operating expenses.
- Cash Flow Analysis: See your monthly and annual profit after all expenses and mortgage payments.
- Cash-on-Cash ROI: Return on your actual cash investment (down payment).
- Cap Rate: Capitalization rate showing NOI as percentage of purchase price.
- Occupancy Rate: Factor in vacancy to get realistic income projections.
- Comprehensive Expenses: Track all costs including taxes, insurance, maintenance, co-ownership charges (charges de copropriété) and management fees.
- Mortgage Integration: Calculate returns with financing included.
Use Cases
- Investment Evaluation: Analyze potential rental properties before purchase.
- Portfolio Management: Compare returns across multiple properties.
- Financing Decisions: See how leverage affects your returns.
- Rent Optimization: Determine optimal rent to maximize profitability.
- Expense Planning: Understand true costs of property ownership.
- Investment Comparison: Compare rental property returns with other investments.
How to Use
- Property Details: Enter purchase price, expected monthly rent, down payment, and occupancy rate.
- Financing: Add mortgage details if financing the purchase (optional for cash buyers).
- Annual Expenses: List all operating costs - property tax, insurance, maintenance, co-ownership charges, management fees.
- Calculate: Get instant analysis of yields, cash flow, and ROI metrics.
- Optimize: Adjust inputs to see how changes affect profitability.
Privacy & Security
- 100% Client-Side: All calculations happen in your browser - no data is sent to any server.
- No Data Storage: Your investment information is never saved or tracked.
- Instant Results: Fast calculations without any network requests.
- Private & Secure: Your investment analysis remains completely confidential.
💡 Understanding the Metrics
Gross Yield: (Annual Rent / Purchase Price) × 100. Quick metric but doesn't account for expenses. Good for initial screening.
Net Yield: ((Annual Rent - Expenses) / Purchase Price) × 100. More realistic as it includes operating costs.
Cash Flow: Income minus all expenses including mortgage. Positive cash flow means the property pays for itself.
Cash-on-Cash ROI: (Annual Cash Flow / Down Payment) × 100. Shows return on your actual investment.
Cap Rate: (NOI / Purchase Price) × 100. Industry standard for comparing properties. Independent of financing.
Benchmarks: Yields vary widely by city and property type (they are usually lower in large, expensive cities). Compare similar properties in the same area rather than relying on a single threshold.
Note: These calculations are before income tax and don't include appreciation. Cash flow deducts the full loan payment (including principal paydown); loan insurance can be added under "Other Expenses". Always consult with real estate and financial professionals for complete investment analysis.