Property purchase calculator
Estimate purchase costs, mortgage payments, rental yield, and returns for Andorra, Spain, or custom rates, with or without a mortgage.
Cash buyer
With mortgage
| Yr | Rate | Payment/mo | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | 3.50% | €1'502 | €7'644 | €10'378 | €292'356 |
| 2 | 3.50% | €1'502 | €7'916 | €10'106 | €284'440 |
| 3 | 3.50% | €1'502 | €8'198 | €9'825 | €276'242 |
| 4 | 3.50% | €1'502 | €8'489 | €9'533 | €267'752 |
| 5 | 3.50% | €1'502 | €8'791 | €9'231 | €258'961 |
| 6 | 3.50% | €1'502 | €9'104 | €8'919 | €249'857 |
| 7 | 3.50% | €1'502 | €9'428 | €8'595 | €240'430 |
| 8 | 3.50% | €1'502 | €9'763 | €8'259 | €230'667 |
| 9 | 3.50% | €1'502 | €10'110 | €7'912 | €220'556 |
| 10 | 3.50% | €1'502 | €10'470 | €7'553 | €210'086 |
| 11 | 3.50% | €1'502 | €10'842 | €7'180 | €199'244 |
| 12 | 3.50% | €1'502 | €11'228 | €6'795 | €188'016 |
| 13 | 3.50% | €1'502 | €11'627 | €6'395 | €176'389 |
| 14 | 3.50% | €1'502 | €12'041 | €5'982 | €164'348 |
| 15 | 3.50% | €1'502 | €12'469 | €5'553 | €151'879 |
| 16 | 3.50% | €1'502 | €12'913 | €5'110 | €138'967 |
| 17 | 3.50% | €1'502 | €13'372 | €4'651 | €125'595 |
| 18 | 3.50% | €1'502 | €13'847 | €4'175 | €111'748 |
| 19 | 3.50% | €1'502 | €14'340 | €3'683 | €97'408 |
| 20 | 3.50% | €1'502 | €14'850 | €3'173 | €82'558 |
| 21 | 3.50% | €1'502 | €15'378 | €2'644 | €67'180 |
| 22 | 3.50% | €1'502 | €15'925 | €2'097 | €51'255 |
| 23 | 3.50% | €1'502 | €16'491 | €1'531 | €34'763 |
| 24 | 3.50% | €1'502 | €17'078 | €944 | €17'685 |
| 25 | 3.50% | €1'502 | €17'685 | €337 | €0 |
For indicative purposes only. Monthly cashflow shows year-1 figures. Total returns apply annual rent growth as a geometric series. All rates and conditions must be verified with a licensed local solicitor or tax advisor.
What this calculator includes
- Purchase costs for resale and new-build property, including regional ITP in Spain and transfer taxes in Andorra
- Mortgage payments, equity build-up, and cash needed at completion with or without financing
- Long-term rental yield with optional expense-based tax base for Spain
- Holiday and short-term rental modelling with seasonal nightly rates and occupancy
- Total return and monthly cashflow projections over your chosen holding period
Common questions
Does the calculator cover ITP in every Spanish region?
Spain uses regional transfer tax rules. You can select your autonomous community and use simple or advanced ITP modes where regional reductions apply. Confirm final rates with a local tax adviser before you sign.
Can I compare buying with and without a mortgage?
Yes. Toggle mortgage financing to see down payment, fees, monthly payments, and how leverage affects cashflow and total return.
How are holiday rental returns modelled?
Set purchase intent to short-term rental to work with monthly nightly rates, occupancy, platform fees, utilities, and seasonal running costs rather than a single annual average.
Are the results tax or legal advice?
No. Figures are indicative for planning and comparison. Always verify tax, licensing, and financing assumptions with licensed professionals in the country where you buy.