Rent vs buy
Compare total cash spent on a mortgage and home ownership against renting and investing your down payment over a chosen horizon.
Open calculatorRental yield
Gross yield is 12 months of rent divided by the purchase price. Net yield subtracts your estimated vacancy allowance and annual non-recoverable landlord costs (service charges, insurance, property tax, management). Mortgage interest and income tax are not deducted here.
Total capital spent to buy and prepare the property for letting.
Monthly rent paid to you as the landlord (excluding utility bills paid by the tenant).
Percentage of the year the flat sits empty between tenancies.
%
Yearly owner costs not passed on to the tenant (insurance, property tax, repairs, management).
Net rental yield
4.7%
Gross rental yield
6.5%
Gross annual rent
42,000
Net annual rent (before tax)
30,640
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An 8.3% vacancy rate equals roughly one empty month per year. To calculate Polish lump-sum tax on rental income, open the “Private rental tax” calculator.
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Educational estimate only. Not medical, tax, legal or financial advice.