Property calculator
Property financing and true net outlay.
Compare property value, debt, interest, tax effects, and your own cash contribution.
Compare with an ETF
The actual cash outlay is mirrored in the ETF; depreciation affects it only through estimated tax.
Development over time
Property, financing, and economic net outlay
Outstanding debtAnnual rental incomeAnnual interest costProperty valueEconomic net outlay
The cash outlay includes loan payments, maintenance, rent, and estimated rental tax. Depreciation reduces the estimated tax but is not counted again as cash available for the ETF. Negative comparison balances remain visible and indicate a cash advantage for the property.
Good questions before signing
Are there account, valuation, broker, or document fees?
What happens with early repayment or refinancing?
Which costs can be passed on to tenants?
Can special repayments reduce interest without fees?