Frequently Asked Questions
Short answers about the calculation, data, and subscription. Updated 8 October 2026.
What exactly does the calculator calculate?
How much rental income actually reaches you each year after costs, vacancy, and tax, in money, and the yearly rate that gives on everything you put in, counted the way a deposit rate is quoted (the model’s method), not simply rent divided by price. It then places that rate beside four other ways to invest the same amount.
Why is the figure lower than the one in the listing?
Because listings usually divide annual rent by the price and stop there. Here, vacant months between tenants, letting fees, repairs, utility bills, insurance, property tax, and income tax are deducted from the rent.
Where do the deposit and bond rates come from?
On the calculator page the deposit is the best offer of a bank in the property’s country in your base currency, from our table: for Georgia, Germany, Kazakhstan, Spain and France the offers are read from the banks’ own pages, each with its date. Where there is no such offer, it is the official average for that currency: the European Central Bank for the euro, the Bank of England, the statistics offices of Sweden and Denmark, the Bank of Russia (the average maximum rate of the ten largest banks, published for ten-day periods), the KDIF for the tenge, and the FDIC only for a property in the US. With neither, the rate is a model rate and the deposit row says so. A deposit in another currency of the property’s country is a separate row, converted the way the full model does it, with the currency moving as it did from 2023 to 2025. Government bonds are the property country’s issue in your currency, then the currency’s own state; the S&P 500 fund is its average yearly return over its whole history, from 1928 to 2025 (NYU Stern); the last 10 and 5 years (S&P Dow Jones Indices) are offered as scenarios. Every figure shows its source and date and can be replaced with your own; the same table feeds the app.
Can anyone see my figures?
No. Until you sign in and press “save”, the figures you enter stay in your browser.
What is included in the paid version?
Free: the calculation of one apartment and a comparison with a savings account. With a subscription: several apartments side by side, the PDF report, sale and price-growth terms, your country's tax. On the free plan the other settings, including your own country's tax, the sale and its taxes, the exchange rate, rent and price growth and inflation, mortgage details, bonds, the fund and your own criteria, keep the official defaults. The subscription, $10 a month or $89 a year, lets you change all of them and adds a second and further saved options, comparing options side by side, the rest of the breakdown with every figure and its source, “What if…”, the break-even price, “My assets” for property you already own, printing or saving the A4 report as PDF, the year-by-year flows as CSV and read-only share links. Residential property now; commercial premises, warehouses, land and businesses are in preparation.
Is this investment advice?
No. The tool shows the arithmetic and its inputs; you make the decision. See the Terms of Use for more detail.
Does it work for other countries?
The arithmetic is universal. Without sign-up, the check on the main page counts taxes by the same rules of 57 countries as the full calculation; what depends on your residence is left out there and set in the full calculation. The full calculation carries the rules of 57 countries from official sources, each with its link and the date it was checked; where no official figure exists, the field stays empty and is marked «enter your own». With a free account you can change the purchase, rent and property taxes of the property's country; your own country's tax and the taxes on the sale keep their official defaults: changing them is part of the subscription. It is a calculation, not tax advice. The tax on deposit interest follows your country of residence where it is known; otherwise no tax is counted, and the row says so.
Can I cancel the subscription?
Yes. Payments are processed by our payment partner Paddle as merchant of record; payments by Bank of Georgia cards are accepted by Gumroad, Inc. as merchant of record. The subscription renews automatically every month or year until you cancel; VAT or sales tax, where it applies, is added at checkout. Cancel any time in the members area (Manage subscription) or by email: see Refunds and cancellation. Access continues until the end of the paid period.