IRR Calculator for Property Investors
Model the full return on a single property purchase — gross yield, cash-on-cash, and IRR over your hold period, including mortgage amortisation and exit proceeds.
Not financial advice. This calculator is for informational use. Outputs depend entirely on the assumptions you enter. It is not financial, tax, legal, mortgage, or investment advice. Consult a qualified, licensed adviser in your jurisdiction before any property, financing, or tax decision.
Inputs
Results
IRR (levered)
10.8%
Gross yield
5.6%
Net yield (yr 1)
4.5%
Cash-on-cash (yr 1)
0.8%
Year-1 cashflow
€1,381
Deposit
€175,000
Loan
€325,000
Monthly payment
€1,752
Exit value
€671,958
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How to interpret your results
- IRR is the annualised return on the cash you actually put in. Above 10% is strong for residential; below 4% suggests the leverage isn't helping you.
- Gross yield ignores costs and mortgage — useful as a screening number, not a decision number.
- Cash-on-cash in year 1 shows whether the property pays its own way before exit gains.
- Capital growth assumption matters more than rent growth — a 1% shift compounds significantly over a 10-year hold.
What this doesn’t include
Taxes (income, capital gains, stamp duty) and country-specific deductions vary too much for a general calculator. For tax-aware after-tax IRR by jurisdiction, see AssetCentral's portfolio workspace.
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