This rental yield calculator works out the gross and net yield of buying a property to rent out, from its purchase price, buying costs, monthly rent and annual expenses.
Two ways to measure the same return
Gross yield is a quick, rough estimate: annual rent over price, nothing else. Net yield is more useful for comparing real opportunities, since it accounts for the extra cash you actually put in (buying costs) and the recurring costs that eat into the rent (property tax, HOA fees, insurance, maintenance).
Example
A €180,000 property with €20,000 in buying costs, renting for €900 a month with €2,500 in annual expenses, has a gross yield of 6% and a net yield of about 4.15% — with a positive monthly cash flow of roughly €692 before any mortgage payment.
For guidance only, not financial advice — it doesn’t include the mortgage or vacancy and non-payment risk.