Calculate rental net yields and income tax deductions under the Spanish Housing Act. Simulates the 50%, 60%, 70%, and 90% statutory IRPF tax reliefs for residential landlords.
Deed purchase price plus taxes, notary, registry, and initial rehabilitation.
Gross monthly rental income received under the residential lease.
Property tax (IBI), HOA fees, home and default insurance, and maintenance.
Top personal income tax bracket applied to incremental earnings.
Rendimiento_{Neto} = Ingresos_{Brutos} - (Gastos_{Ope} + Amortización_{3\%}) \\ Base_{Gravable} = Rendimiento_{Neto} \times (1 - \text{Reducción}_{\%})Net rental earnings equal gross revenue minus operating expenses and 3% building depreciation. Positive net balances benefit from Ley 12/2023 reductions: 90% (for lowering rents >5% in stressed zones), 70% (youth or social leases), 60% (rehabilitated assets), or the standard 50% primary home baseline.
Todos los cálculos, cuadros de amortización y proyecciones de escenarios mostrados en esta página tienen fines exclusivamente informativos y educativos. En ningún caso constituyen asesoramiento financiero, de inversión, fiscal, laboral o legal. Los tipos de interés reales, comisiones bancarias y tramos fiscales aplicables pueden variar según las circunstancias individuales. Calconova declina expresamente toda responsabilidad por las decisiones tomadas sobre la base de estos cálculos. Se recomienda consultar con un gestor fiscal colegiado o entidad bancaria autorizada antes de contraer compromisos vinculantes.
Yatırımlarınızın aylık ve yıllık bileşik getirisini amortisman grafiğiyle görün.
Yatırımların veya şirket cirolarının yıllık geometrik bileşik büyüme hızını hesaplayın.
Enflasyon karşısında nakit paranızın alım gücünü ve gelecekteki reel değerini hesaplayın.