See beyond the purchase.
Price and rent are not the yield yet. A flat stands empty between tenants, the agent is paid for every new tenant, repairs need money set aside. Enter them — and see what the flat will bring you.
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 $630,000, rent $2,600 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 shapes the decision
Five things the listing never mentions — counted on your figures from the first screen.
Empty months, the agent at every new tenant, refurbishment, insurance, repairs set aside — counted on your rent, year by year.
in detail — in the full calculation →Tax on the rent, property tax, tax on the gain at sale, tax on deposit interest — the same rules on both sides of the comparison.
in detail — in the full calculation →The price is in one currency, your life in another. The result is counted in the money you will use; the rate is shown and can be typed.
in detail — in the full calculation →Ten years is not five. The term changes the payback, the reinvested pot and what a sale at the end leaves.
in detail — in the full calculation →A flat sells at a discount and slowly; a deposit is closed at the end of its term with the interest kept (the bank’s rule can be changed); a fund may be down that year. Each is counted on its own terms.
in detail — in the full calculation →What you get
Start free with your own flat. Subscribe when one flat turns into a choice between several.
- The calculation of a flat with your price, rent, costs and loan, and the purchase, rent and property taxes of its country (57 countries, official sources with a link and the date checked); the sale, growth and your own country's tax at the official defaults
- The same money in a deposit, bonds and an S&P 500 fund — one table, one term, one currency
- The first two steps of the full analysis
- Your first saved calculation
Renews automatically every month or year until you cancel. Cancel any time in the members area (Manage subscription); access stays until the end of the paid period. VAT or sales tax, where it applies, is added at checkout.
- Several saved calculations — they stay on any device
- Two to four calculations compared side by side
- The whole analysis step by step, the full “What if…” and the break-even price
- “My assets”: a flat you bought — the plan against the fact
- The A4 report for a negotiation, CSV and read-only share links
Cancel any time · 14-day money-back on a first payment. Prices in USD; where VAT or sales tax applies, it is added at checkout and shown before paying.
How it works
Two numbers for a flat. Commercial premises, warehouses, land and businesses are in preparation.
The object next to a deposit, bonds and a fund — on the same capital, term and currency, by the goal you choose.
Three checks you set: the margin over a benchmark, the payback from income, what comes back in a forced sale.
Every calculation with its assumptions, kept in your workspace; scenarios stay linked to the original.
My options
Two saved decisions side by side — the way they look in the workspace. Counted by the same engine.
| Option | Income | Capital | Early exit |
|---|
Questions
What is free?
Without sign-up, on this page: two numbers — the year-1 result, the comparison with a deposit, bonds and a fund over 10 years; taxes by the same country rules as the full calculation (where a rate depends on your residence, it is set there). Free with an e-mail: the calculation of a flat with the taxes of 57 countries, the first two steps of the analysis and your first saved calculation; the sale, growth, the exchange rate, your own country's tax, mortgage details, bonds and the fund keep the official defaults. «What if…», comparison of calculations, the A4 report and «My assets» are in the subscription.
What does the subscription add?
The flat calculation is free with an e-mail sign-up, with the first two steps of the breakdown. The subscription adds, in the app, changing the sale, growth, the exchange rate, your own country's tax, mortgage details, bonds and the fund, the rest of the breakdown, the full “What if…” and the break-even price, several saved options that survive a reload and another device, side-by-side comparison, the A4 report, CSV and share links. Residential now; commercial, warehouse, land and business are in preparation. One subscription: $10 a month or $89 a year. Payments are processed by our payment partner Paddle as merchant of record; cancel any time — see Refunds and cancellation.
Is the result advice?
No. It is arithmetic on the figures you entered and the assumptions the page shows. Every assumption can be changed; the source of every figure is marked.
Which countries?
The full calculation covers 57 countries. For each one the taxes on rent, on purchase and on sale are already set from official sources, with a link and the date they were checked. Where no official figure exists, the field stays empty and marked «enter your own». The quick check on this page counts with the same engine and the same country rules as the full calculation, so the flat's figures match; what depends on your residence it does not ask — the full calculation does. This is a calculation, not tax advice: check the rates with a tax adviser before a deal.
Questions: hello@levelvale.com