Calculator

Your return, assumption by assumption.

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Property

Price €Size m²

Year built Autonomous community

New build Large-landlord buyer

Rent

Letting mode Expected monthly rent €/month

Annual rent increase %/yearEmpty months between tenants months

Financing

LTV (share financed) %Interest rate (TIN) %

Term yearsArrangement fee %

Costs

Annual property tax (IBI) €Waste charge (annual) €

Monthly community fees €Annual maintenance €

Home insurance (annual) €Rent-default insurance (annual) €

Management (% of rent) %

Renovation

Scope Own budget (optional) €

Tax

Tax-residence profile

Marginal income-tax rate (IRPF) %Reduction for letting a home

Sale · Total Return (IRR)

Sale horizon yearsEstimated appreciation %/year

Selling costs %Capital-gains tax €

The IRR assumes a sale in year 10. Estimated sale value €438,379 · net proceeds €256,121 · default appreciation from the INE IPV history (not a forecast), capped at 5%/year.

Purchase breakdown

Price: €285,000
Transaction costs (ITP 10–13% por tramos, notary, land registry…): €30,728
Renovation: €0
Total deal cost: €315,728
Equity required: €116,228

Total Return for your situation

7.6%

At €285,000, the Total Return beats the Barcelona average (~5.1%).
Barcelona average: ~5.1% IRR.

€1,067/month

Market rent

-€162/month

Monthly cash flow

€4,191/m²

-21% vs Gracia

Price per m²

€116,228

Own capital

At what price does it become a good investment?

7.6%

Total Return

€285,000

purchase price

This is the asking price.

Calculated with official data:CatastroSERPAVI · Min. ViviendaINEBCE · Euríbor

Legal rent: estimate based on the official SERPAVI methodology — check the official certificate. Informational tool; not financial, tax or legal advice.