The strongest move is a calculated one.
The price is in plain sight. The rest stays in the shadows: taxes in two countries, the agent, vacant months and the exchange rate. Levelvale works out the deal like a game of chess and shows what the same money would earn in a savings account.
Make the first moveCheck your apartment with two numbers from the listing
Know what an apartment will really earn before you buy
Price and rent don't tell you the yield. Apartments sit empty between tenants, agents charge for every new tenant, and repairs need a reserve. Enter your numbers to see what the apartment will actually bring in.Price and rent don't tell you the yield. Enter your numbers to see what the apartment will actually bring in.
What both the listing and the platform's calculator leave out
Taxes in two countries
Rental income tax where the apartment is, and what the country where you are a tax resident will ask for.
Exchange rate
Rent in lari, life in dollars or tenge. Every number accounts for the exchange rate over 3, 5 or 10 years.
A savings account at home
The apartment side by side with your bank's savings account, bonds and an index fund, on the same money and the same term.
A receipt for the year ahead
What comes in, what goes out and what is left from the flat — line by line, before you hand over the money.
Example: a flat at $60,000, rent $450 a month, Georgia. Press the peach button on the till — the receipt prints again.
Check your own
Two numbers — the price and the rent. Everything else is filled in for the country and shown under the result.
What you want to do
Check an investment
More: property type, loan, currency, country, term
Commercial, warehouse, land and business: in preparation. Residential is fully available.
These numbers are an example. Change any figure — the answer updates as you type.
Everything else starts at the model’s assumptions — you see every one of them under the result.
A quick check is free, with no sign-up. The flat calculation is free with an e-mail sign-up.
A working example
Change the type of investment and watch the result change.
Where the money went
Why
A calculation on these figures, not investment advice.
All options, with their terms and ratesopenclose
| Option | On what terms | Yearly rate · basis |
|---|
More on this figure is not «safer»: each row has its own risk and its own way out.
Assumptions that move this answer
Change any of them — the result updates at once. These are the model’s figures until you change them.
Test a scenario
A copy of the original with the fields you change. The original stays for comparison. Every chip is a test change, not a market forecast — edit the figure.
checks condition 1 only — the margin over a deposit; not a market valuation and not the price for the other conditions
What to verify before deciding
Set my criteriaopenclose
Switch on the conditions that matter to you — the example’s values are not your choice. Under each: what is measured, the unit and the period. Two limits of your own and a sum you will need by a year are checked on the cash flows. Each condition has a state: met, not met, not determined, or needs clarifying. They do not decide the comparison above.
Details — what the answer stands onopenclose
It is the one rate at which all the money you put in — the price, the buying costs, the works — would have to be lent out to pay back exactly what the object leaves you each year, the object kept and its price taken as unchanged. It is a rate, not a share of the price. The same arithmetic as in the full model. When the flows have no single such rate — all one way, or none that closes them — the page says «rate not defined» rather than printing a share as if it were one.
None of these is yours yet. In the full model every one is a field you set; here they show what the answer is counted on.
What drives the decision
Five things listings leave out, calculated with the numbers you entered above.
Vacancy, an agent fee for every new tenant, repairs, insurance and a reserve for major repairs, calculated on your rent, year by year.
Full detail in the complete analysis →Rental income tax, property tax, capital gains tax on sale and tax on deposit interest, with the same rules on both sides of the comparison.
Full detail in the complete analysis →The price is in one currency, your life in another. Results are shown in the currency you actually spend. The exchange rate is shown, and you can enter your own.
Full detail in the complete analysis →Ten years is not five. The time horizon changes the payback, the reinvested balance and what a sale leaves you at the end.
Full detail in the complete analysis →An apartment sells at a discount and takes time. A savings account is closed at the end of its term and keeps the interest (you can change the bank's rule). An index fund may be down. Each is calculated on its own terms.
Full detail in the complete analysis →What you get
Start free with your own apartment. Subscribe when you're choosing between several.
- A full calculation for your apartment: your price, rent, costs and loan, plus the country's purchase, rental and ownership taxes (57 countries, official sources with links and check dates). Sale, price growth and your home-country tax use official defaults.
- The same money in a savings account, bonds and an S&P 500 index fund: one table, one time horizon, one currency
- The first two steps of the full analysis
- Your first saved calculation
Renews automatically every month or year until you cancel. Cancel anytime in your account (Manage subscription); you keep access until the end of the paid period. VAT or sales tax, where applicable, is added at checkout.
- Multiple saved calculations, available on any device
- Compare 2 to 4 calculations side by side
- The full step-by-step analysis, every “What if…” scenario and the price at which the apartment matches the alternatives
- “My assets”: track an apartment you own, plan vs. actual
- A printable A4 report for negotiations, CSV export and read-only share links
Cancel anytime · 14-day refund on your first payment. Prices in US dollars. VAT or sales tax, where applicable, is added at checkout, and you see the total before you pay.
How it works
Two numbers for an apartment. Commercial, warehouse, land and businesses are in the works.
Your property next to a savings account, bonds and an index fund, with the same capital, time horizon and currency, for the goal you choose.
Three criteria you set: how much it beats a benchmark, payback from income, and what you'd get back in a quick sale.
Every calculation is saved in your account with its assumptions; scenarios stay linked to the original.
My calculations
Two saved decisions side by side, just as they appear in your account. Calculated by the same engine.
| Option | Income | Capital | Early exit |
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FAQ
What's free?
Without signing up, right on this page: enter two numbers to get the year-1 result and a 10-year comparison with a savings account, bonds and an index fund. Taxes follow the same country rules as the full analysis (anything that depends on your tax residency is set there). Free with an email account: the full apartment calculation with taxes for 57 countries, the first two steps of the analysis and your first saved calculation. Sale, price growth, exchange rate, your home-country tax, mortgage details, bonds and the index fund use official defaults. “What if…” scenarios, side-by-side comparison, the A4 report and “My assets” are part of the subscription.
What does the subscription include?
The apartment calculation is free with an email account, along with the first two steps of the analysis. The subscription lets you change the sale, price growth, exchange rate, your home-country tax, mortgage details, bonds and the index fund, and adds the remaining steps, every “What if…” scenario and the price at which the apartment matches the alternatives, multiple saved calculations that stay across reloads and devices, side-by-side comparison, the A4 report, CSV export and share links. Residential is available now; commercial, warehouse, land and business are in the works. One subscription: $10/month or $89/year. Payments are handled by our payment partner Paddle as the merchant of record. Cancel anytime: see Refunds and cancellation.
Is this investment advice?
No. It's arithmetic based on the numbers you enter and the assumptions shown on the page. You can change any assumption, and every figure shows its source.
Which countries are covered?
The full analysis covers 57 countries. Taxes on rent, purchase and sale are preset for each from official sources, with a link and the date they were checked. Where there's no official figure, the field is left blank and marked “enter your own.” The quick check on this page uses the same engine and country rules as the full analysis, so the apartment figures match. It doesn't ask about your tax residency; the full analysis does. This is a calculation, not tax advice: check the rates with a tax advisor before you buy.
Questions? hello@levelvale.com
Decide before you sign, not after
Two numbers from the listing, and the answer in a minute.