Property Viability Calculator

Compare buying vs renting, or analyse the returns from investment property

Property & Mortgage
CZK
%
= 1,000,000 CZK · Mortgage: 4,000,000 CZK
% p.a.
years
Monthly payment: –
Rent & Costs
CZK/mo.
% of price/yr
Insurance, management, repairs, property tax
mo./year
%
Czech flat-rate deduction of 30% reduces effective rate to ~10.5%
Outlook & Investment Horizon
% p.a.
% p.a.
years
Gross rental yield
–
annually on purchase price
Monthly cashflow (yr 1)
–
after mortgage, costs & tax
Total ROI
–
over 20 yrs on down payment
Annual return (CAGR)
–
avg. p.a. on down payment

Results are indicative. Inflation, tax law changes, and cashflow reinvestment are not modelled. Annual costs are fixed at a percentage of the purchase price.

Buy with a Mortgage
CZK
Include all acquisition costs (agent commission, notary, appraisal, loan fees)
%
= 1,000,000 CZK · Mortgage: 4,000,000 CZK
% p.a.
years
Monthly payment: –
% of price/yr
Insurance, repairs, property tax
Rent & Invest
CZK/mo.
What you would pay renting a comparable property
% p.a.
Average annual return on investment (ETF, index fund); historically ~7–10% p.a.
Assumes the renter's income grows and maintains the real value of their investment — the year-1 surplus grows instead of being eroded by rising rent.
Outlook
% p.a.
% p.a.
years
Buy – equity
–
property value minus mortgage after 20 yrs
Rent + Invest – portfolio
–
portfolio value after 20 yrs
Better scenario earns extra
–
–
Rent exceeds ownership costs
–
from this year renting costs more than owning

Results are indicative. Inflation and tax effects are not modelled. Market return is a constant average. After the mortgage is paid off, ownership costs drop to a minimum.

Real estate is a long-term commitment — worth thinking through carefully. I'll help you assess a specific property for financing, yield, taxes and risk.
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