Investment Calculator
Calculate rental yield and investment return
Property
€
30000€500000€
%
15%100%
36 000 €
%
0%5%
€1 800 — notary, registration, appraisal
Rental Income
€
200€3000€
%
0%20%
Vilnius average ~5%, smaller cities ~8-10%
%
0%10%
Expenses
€
€
%
0%3%
€1 200/yr from property value
€
Not applicable to most apartments
%
0%15%
From rent
Financing
EURIBOR (6 mo.)2.295%
%
1%3%
Total Rate4.29%
m.
5 m.30 m.
Projection
m.
5 m.30 m.
%
-5%10%
Gross Yield
5.0%
Net Yield
2.8%
Cash-on-Cash Return
-7.6%
Monthly Cash Flow
€−240/mo.
Annual Cash Flow
Rent
+€5 700
Vacancy
€−300
Maintenance
€−960
Insurance
€−150
Repairs
€−1 200
Loan
€−6 266
Net€−2 876
10-Year Projection
Over 10 years:
Rent Collected€62 413
Expenses Paid−€25 270
Property Appreciation+€41 270
Loan Reduction+€33 132
Total Return€15 753
ROI41.7%
Annual ROI3.5%
For comparison: average stock market return is ~7-8% per year.
Real estate additionally provides rental income + leverage opportunity.
Frequently Asked Questions
Calculations are indicative. Actual rental income, vacancies and property value changes may differ from projected.