What is the difference between gross yield and net yield?
Gross yield uses annual rent against property value before costs. Net yield goes further by subtracting voids, management, maintenance, insurance, and other running costs first.
Landlord tool
Rental Yield & Cashflow Calculator
Use one plain-English model to judge whether a property still works as a rental in Ireland before you decide to let it, hold it, or rethink the plan.
Gross + net yield
See the headline rent return and the more realistic post-cost version.
Cashflow before tax
Estimate whether the rent still covers operating costs on current assumptions.
Optional mortgage stress-test
Turn debt on when you want to pressure-test the holding case more realistically.
Rental Yield & Cashflow Calculator
Estimate how a property could perform as a rental in Ireland with a simple view of gross yield, net yield, and cashflow before personal tax.
Working assumption
This version is built for planning, not tax advice. It focuses on rent, running costs, voids, and optional mortgage pressure.
Turn this on if you want to see the cashflow after a live mortgage payment estimate.
Pre-tax monthly cashflow
€1,689
This rental looks cashflow-positive
You are roughly €1,689 per month ahead before personal tax.
The current rent appears to cover the operating costs comfortably, but this is still only a planning tool rather than investment advice.
- Gross yield
- 5.9%
- Net yield
- 4.5%
- Annual cashflow before tax
- €20,264
- Break-even rent required
- €48
- Effective annual rent
- €24,369
- Total annual operating costs
- €6,136
Estimated monthly rent needed to land around zero cashflow before personal tax.
Gross annual rent less the assumed void period.
Includes void loss, management, maintenance, insurance, service charges, and other annual costs.
Planning note
This tool excludes personal tax, Revenue-specific treatment, and any future rent growth assumptions. Irish rent rules and RTB limits can affect how much rent can move over time, but that is not modelled here.
If letting still looks viable
Move into landlord support next if you want help comparing letting specialists and deciding how hands-on or hands-off you want to be.
Get letting supportIf selling still looks stronger
Recheck the exit route with the full selling-cost model if you are comparing rental economics against a landlord sale.
Model the selling sideExplore further
Helpful next pages
These are the strongest follow-on pages after using this calculator.
Letting support
Get landlord support next
Move from rental maths into a letting-specialist comparison for your property.
Open pageFee calculator
Compare letting fee structures
Cross-check how management and tenant-find fees change the landlord picture.
Open pageLandlord sale guide
Read the landlord exit guide
Compare the keep-it-as-a-rental case against the reality of selling in 2026.
Open pageFAQ
Do I have to include a mortgage?
No. The mortgage section is optional. Leave it off if you only want to understand the property-level return before finance, or turn it on to see a more realistic cashflow estimate for a leveraged property.
Does this include Irish landlord tax?
No. This is a planning-first calculator and does not model personal tax, Revenue-specific deductions, or your own tax rate. Use it to sense-check the property economics before taking advice.
What does break-even rent mean here?
It is the estimated monthly rent needed to land around zero cashflow before personal tax, using your current assumptions for voids, operating costs, and optional mortgage payments.
Does this replace professional advice?
No. It helps you plan, but it does not replace tax advice, legal advice, or property-specific letting guidance.