Real estate investment calculator
Example: 2-room flat, 45 m², Prague. Overwrite with your own figures.
Inputs
Where and for how much?
How much of your own money?
= CZK 1,580,000 of your own, the remaining CZK 6,320,000 is the mortgage.
How will you rent it out?
A classic lease for a year or longer.
What rent will you get?
Average for Prague: CZK 20,800 (462 CZK/m²). Check rents of similar flats nearby.
We assume a 5.2% rate, HOA payments of CZK 3,825 a month (the tenant pays CZK 2,250 of it for utilities), a sale after 10 years and taxes.
Grey values are filled in by the calculator: “estimate” from city and market, “default” model value, “derived” from your inputs. Overwrite them with your own numbers.
Results
Investment with caveats. Monthly cash flow: -CZK 20,227.
IRR of 7.4% is below 8 %, in a pessimistic scenario the return drops to 0.4%, you also pay interest and costs out of pocket (CZK 10,786 a month on top of principal).
How we rated it
- Return (IRR)7.4%
target at least 8 %, below 4 % red
- Resilience: return in a pessimistic scenario0.4%
target at least 4 % (IRR), below 0 % red. Pessimistic scenario: price growth 2.0%, rate after fixation 6.2%, 11 occupied months a year.
- Cost coverage-CZK 10,786
CZK 10,786 a month short of running costs, interest and taxes
- Why these thresholds →