Capital Required
How much money do I need to invest?
Purchase Costs—
Initial Capital Required—
Scenario setup
Saved scenarios
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Investment assumptions
Adjust the assumptions that drive projected cash flow, financing and equity at exit. Country-specific fields seed from Spain's defaults.
Basics
Total property purchase price before buyer closing costs and property transfer tax.
Related registration and legal costs excluding property transfer tax.
Expected ownership period before selling.
Seeded from this country's gross rental yield; edit to model your own rent.
Annual rent allowance for vacancy or collection loss.
Expected average annual rent increase (set by the tax/scenario case).
Annual Costs
Annual repairs and maintenance as a share of effective rent.
Combined annual fixed operating costs.
Share of effective rent paid to a property manager.
Financing (optional)
Select no loan for an all-cash acquisition.
Seeded from this country's typical LTV (100 − typical LTV); edit within the country's lending limits.
Overrides the percentage when entered.
Nominal annual mortgage interest rate.
Mortgage amortization period.
One-time lender, arrangement and registration costs as a share of the loan.
Tax
One-time tax paid when purchasing a property.
Estimated yearly property tax as a share of purchase price.
Estimated effective tax rate applied to rental income.
Appreciation & exit
Expected average annual price growth (set by the scenario case).
Brokerage, transfer and legal costs at exit.
Investment Dashboard
A decision-focused view of capital requirements, income performance, wealth creation and investment efficiency.
Enter your assumptions and press Calculate scenario to see live results.
Investment Efficiency
How quickly do I recover my investment?
Break-even Year—
Payback Period—
Income Performance
How much annual income does the investment generate?
Annual Net Cash Flow—
Net Rental Yield—
Cash-on-Cash Return—
Cap Rate—
Wealth Creation
How much wealth will this investment create?
IRR—
Total Profit—
Projected Property Value—
Equity Multiple—
Cumulative Investor Cash Position & Projected Property Value Over Time
Cumulative Investor Cash FlowProjected Property Value
Results are estimates based on the assumptions provided. They are directional projections and are not guarantees of future performance.
Cross-country scenario modelling
Compare the same investment assumptions across your three selected countries. Country-specific taxes, costs and financing use each country's own defaults.
| Investment indicator | SpainPriority country · 73% match | Portugal75% match | Italy66% match |
|---|---|---|---|
| Purchase Costs | — | — | — |
| Initial Capital Required | — | — | — |
| Annual Net Cash Flow | — | — | — |
| Net Rental Yield | — | — | — |
| Cash-on-Cash Return | — | — | — |
| Cap Rate | — | — | — |
| IRR | — | — | — |
| Total Profit | — | — | — |
| Projected Property Value | — | — | — |
| Equity Multiple | — | — | — |
| Break-even Year | — | — | — |
| Payback Period | — | — | — |
| Projected Return Composition | — | — | — |
Turn your analysis into an investment strategy.
You've compared scenarios and explored the financial outcomes. Now generate a personalised Strategy Report that interprets your analysis, explains country-specific tax and financing implications, evaluates investment opportunities and risks, and provides actionable recommendations tailored to your investment objectives.
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How calculations work: Outputs are based on your scenario assumptions, financing inputs, and country-specific tax cases. Conservative, Base, and Optimistic Tax Cases apply lower-end, typical, and upper-range country-specific tax assumptions to illustrate how different tax outcomes may affect your projected investment returns. For simplicity, Capitarra assumes property-related taxes are paid in the country where the property is located. Actual tax treatment may differ depending on your tax residency, ownership structure, applicable tax treaties, and local regulations. The information provided is illustrative only and should not be considered tax or legal advice. Always consult qualified tax and legal advisors before making an investment decision.View Methodology Center →