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Use this calculator to estimate cash flows over the period of your intended investment — including rental income, running costs, mortgage repayments and rental income tax.
Property & mortgage details
€
€
yrs
€
€
%
%
%
Annual running costs
€
€
€
€
€
Residential investment mortgage analysis
Stamp Duty
€3,000
Legal Fees Estimate
€2,040
Initial Annual Expenses
€2,000
Initial Cash Investment
€80,040
Monthly Repayment
€1,485
Annual Repayment
€17,819
Illustrative rate of 5% assumed. Stamp duty at 1% of purchase price; legal fees are an estimate.
Detailed cash flow per year
Year
Property Value
Income
Annual Costs
Interest
Tax Paid
Cash Flow
Cumulative
1
€300,000
€16,200
€2,000
€11,097
€0
-€3,619
-€3,619
2
€309,000
€16,686
€2,060
€10,753
€2,468
-€5,661
-€9,280
3
€318,270
€17,187
€2,122
€10,392
€2,756
-€5,510
-€14,790
4
€327,818
€17,702
€2,185
€10,012
€3,054
-€5,356
-€20,145
5
€337,653
€18,233
€2,251
€9,613
€3,363
-€5,200
-€25,345
Warning: your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.
The payment rates on this housing loan may be adjusted by the lender from time to time.