Does this rental stack up?
Enter the price, the rent and your mortgage, and see the gross and net yield, what you'd pocket each month, the cash you'll need to get in the door, and how it looks over ten years. A quick read on whether the deal is worth a closer look.
What you'll see
Instant, free, and nothing's saved.
How to read the numbers
Gross yield is the year's rent against the price — a quick way to compare properties. Net yield takes off the running costs (the vacancy allowance, maintenance, management, tax and insurance), so it's closer to what the property actually earns before the mortgage and before income tax.
Cash-in-hand is what's left each month once the mortgage is paid: rent, less running costs, less the repayment. Cash-on-cash measures that yearly cash against the cash you actually put in — the deposit, stamp duty and buying costs — which is the return on your own money, not the property's price. A negative figure means the property costs you money each month at these numbers.
How it's worked out
Stamp duty uses the Irish residential rates for a single purchase: 1% up to €1,000,000, 2% on the part up to €1,500,000, and 6% above that. The mortgage is a standard repayment (capital and interest), and the interest-only column charges interest only, leaving the full loan outstanding.
The 10-year outlook grows the value, the rent and the costs at the rates you set, and pays the mortgage down year by year. It's a straight-line estimate to show the shape of the deal, not a forecast — a quiet year, a rate change or a repair can move it.
Every figure is before income tax. To see the tax on the rent, use the rental income tax calculator. Stamp-duty rates are current as of 24 June 2026.
Questions landlords ask
What's a good rental yield in Ireland?
It depends on the area and the property, so there's no single number. Gross yield is the rent against the price; net yield, after running costs, is the more honest figure. The calculator gives both for the price and rent you enter, so you can compare one deal against another on the same basis.
Is this before or after tax?
Before tax. Every figure here is the deal's own mechanics — rent, costs, mortgage — with no income tax applied, because the tax depends on your own circumstances. For the tax on the rent, use the rental income tax calculator, which works out income tax, USC and PRSI on rental profit.
How much stamp duty will I pay?
For a single residential purchase, 1% up to €1,000,000, then 2% up to €1,500,000 and 6% above that. The calculator folds it into the cash you'll need. The higher bulk-purchase rate for ten or more homes isn't covered here.
Should I go repayment or interest-only?
That's a judgement call, not a maths one. Interest-only frees up more cash each month but leaves the whole loan to clear later; repayment costs more monthly and builds equity as it pays down. The comparison shows both so you can weigh the cash flow against the long game for your own plan.
Why is my net yield lower than the gross?
Because net yield takes off the running costs — the vacancy allowance, maintenance, any letting agent, property tax and insurance — while gross is just the rent against the price. The gap between them is roughly what it costs to run the property each year, before the mortgage and before tax.
More tools while you're here: see the tax on the rental income, check whether an applicant can afford the rent, or work out a rent increase within the caps.
The numbers work. Will the tenant?
A good yield only holds if the rent gets paid. RightTenantry checks every applicant — cross-referencing the income they claim against the job and employer — so you let with confidence. Your first three analyses are free.
Stamp-duty rates from Revenue, current as of 24 June 2026. Yields and cash flow are estimates based on the figures you enter. See Revenue's stamp duty rates.
This is an estimate to help you size up a deal, not financial, tax or investment advice. The figures depend entirely on the assumptions you enter, and every figure is before income tax. Run your own numbers and take professional advice before you buy.