🏡 Real Estate Calculator – Overview of Purchase Price, Ancillary Costs, Return & Cashflow
With the MoneyNarrative Real Estate Calculator you can calculate all key figures related to property purchase or your investment. The calculator helps you to precisely analyze the purchase price, ancillary costs, monthly installment, return, cashflow, and remaining debt – and transparently compare scenarios for buying vs. renting.
It shows you how interest, rental income, amortization, and value appreciation affect your result in the long term.
It helps you to understand:
- How high your capital requirement, including ancillary costs, really is
- Which monthly installment awaits you
- When a property purchase pays off compared to renting
- How high your gross and net return are
- When you reach your break-even point
💡 Example Calculation
Suppose you are planning to purchase a property with a purchase price of €400,000 and ancillary costs of €40,000 (≈ 10%). You finance €360,000 at an interest rate of 3.5% with 2.5% amortization.
This results in:
- Monthly Installment: €1,650.00
- Total Cost over 30 years: €676,406
- Total Interest: €236,406
- Break-Even (Buying vs. Renting): After 9 years
- Property Value after 30 years (with 2% annual appreciation): €724,545
- Remaining Debt after 30 years: €0
The Real Estate Calculator also shows you whether buying or renting is more worthwhile in the long term – considering inflation, rent increases, and property value development.
📊 How the Real Estate Calculator Works
- Enter Purchase Price: Price of the property or apartment
- Equity: Amount you contribute yourself
- Interest Rate and Amortization: Effective annual interest rate and initial amortization
- Term / Interest Rate Fixed Period: Duration of the financing
- Ancillary Costs: Land transfer tax, notary, broker, land registry
- Rental Income or Comparative Rent: For return or break-even calculations
- Appreciation & Inflation: For long-term property valuation
The calculator will then show you:
- The total capital requirement incl. ancillary costs
- Your monthly installment and the remaining debt development
- The break-even point (when the purchase becomes worthwhile)
- Return, cashflow, and value appreciation
- A clear overview of purchase price, ancillary costs, and interest burden
🧮 Why the Real Estate Calculator is Important
A property is often the biggest financial decision in life. The MoneyNarrative Real Estate Calculator helps you to realistically assess all relevant factors – purchase price, ancillary costs, financing, and value development. This allows you to make an informed decision on whether a purchase makes sense for you or whether renting remains cheaper in the short term.
🧭 Conclusion
The Real Estate Calculator is the perfect tool to link financing, return, and purchase decision. It shows you how to realistically evaluate real estate investments and whether your project is worthwhile in the long term – including a detailed analysis of costs, value appreciation, and cashflow.
💬 Tip
Additionally, use the Mortgage Calculator, to calculate the optimal loan and interest rate, or the Compound Interest Calculator, to simulate your expected return in the long run.