Madrid Rental Yield and Cash Flow Calculator

Stop guessing. Plug in your property price, expected rent, and hidden structural costs to see your exact Net Yield and monthly Cash Flow in Madrid.

1. Property & Acquisition

Purchase Price (€)

Refurbishment Budget (€)

New Build (10% VAT)

Loan to Value (LTV %)

70% Financing

Interest Rate (%)

Duration (Years)

Expected Monthly Rent (€)

Community Fee

Yearly IBI (Tax)

Tax Residency Status

EU / EEA ResidentNon-EU Resident

EU residents pay 19% on NET income (expenses are deductible).

Capital Required (Cash Upfront)

167.023 €

Includes downpayment, taxes, refurb & fees.

Cash-on-Cash Return

-0.30%

Yearly cashflow / Capital required

Property Price350.000 €

Refurbishment25.000 €

ITP Tax (6% Madrid)21.000 €

Notary & Registry (Est.)1268 €

Legal Due Diligence1200 €

Buyer Agency Fee (incl. VAT)12.705 €

Total Sunk Costs37.023 €

(10.6% of property price)

Gross Yield

5.14%

Net Yield

3.99%

Gross Revenue (Yearly)+18.000 €

Operating Expenses-1560 €

Mortgage Payment-16.158 €

Taxes on Revenue19% Net-776 €

Net Cashflow (Yearly)-495 €

Monthly Cashflow-41 € / mo