Rent-Out Checker
What rent do you actually need to charge? Solves for the rent that covers every monthly cost, plus the rent that hits your target margin after maintenance, management and vacancy.
To clear your 15% margin after every cost — including 10% maintenance, 10% management and 0.5 months of vacancy — you need to charge €2,275/month. Anything below €1,825 loses money outright.
Red flag · Insurance, service charge and ground rent are fixed costs — they don't scale with rent, so any rent below €1,825 produces a monthly loss.
Next move · Benchmark your target rent against the local market on /check — if it's above what comparable units achieve, the property doesn't work as a long-let at your margin.
Free saves the scenario. Trial unlocks the full report.
Free stress test
Rent needed to hit your target margin
Three what-ifs. Individual unlocks the full sensitivity grid.
| What if | Base | Under stress |
|---|---|---|
| Mortgage rate +200bps | €2,275 | €2,677 |
| Vacancy +1 month/yr | €2,275 | €2,637 |
| Service charge +25% | €2,275 | €2,349 |
Each row shows how much rent you'd need to charge if one assumption moves against you. If the stressed rent is above local market rates, the property doesn't work as a long-let.
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How to interpret your results
- Break-even rent is the floor. Below this, you're funding the property out of pocket every month.
- Target rent backs out the rent needed to hit the margin you set after all variable costs. Use it to sanity-check what an agent is quoting.
- Maintenance % is per-rent rather than absolute because it tracks rent over time. 10% is a reasonable default for a long-let in good condition.
- Vacancy of 0.5 months/year is typical for well-priced long lets. Mis-priced or sticky markets often run 1–2 months.
What this doesn’t include
Income tax, ground rent, agent setup fees, void marketing cost, condition-based capex. Pro adds tax-adjusted analysis and operator benchmarking.
Keep going on this property, or move it into the full portfolio so you can track it month after month.
Import into portfolio uses the free Individual trial — no card to start. Upgrade to Pro adds the full AI team and portfolio dashboard.