For owners in Germany
See how your rental will perform from here, and when the next one makes sense.
Year-by-year cashflow, tax savings, and equity build-up. Plus the moment your finances can carry another property.
Free, autosaved, takes about 15 minutes.
Year-by-year
After-tax cashflow
Year 1
€127/mo
Year 10
€428/mo
Equity Y10
€186k
Tax savings
€4,820/yr
What year was it built?
Scenario
Leaving Germany
Berlin Mitte
BE10yr return
€148k
For people who already own
After you bought, the modelling stopped.
You don't actually know how it'll perform from here.
After purchase, most owners stop modelling. Cashflow after taxes, equity build-up, true return, you can feel them, but you can't see them year by year.
You can't tell when the next one makes sense.
Capacity, timing, leverage, and tax position all shift over time. Without a model, the next purchase is a gut call instead of a plan.
The scenarios that scare you don't get modelled.
What if you leave Germany. What if your tenant moves out for six months. What if rates reset higher when you refinance.
Forward projections
See exactly how your property will perform, year by year.
For each year ahead, we calculate your rental's after-tax cashflow, the equity you build through repayment and appreciation, and how much your property shelters from German income tax.
- Year-by-year cashflow, after all costs and taxes
- Equity build-up from repayment plus appreciation
- Tax savings: how much income your property shelters
- True return on the cash you put in, not just gross yield
- When your finances can carry another property
Scenario stress-tests
Run the scenarios that keep you up at night.
Adjust rent, interest, income, or timeline and watch every projection update in real time. Model the moments you actually want to plan for, before they happen.
You leave Germany.
Drop the income to zero, see what happens to your tax savings, your kept cashflow, and whether selling beats holding (Spekulationssteuer included).
Your tenant moves out for six months.
Zero the rent for half a year, see how it bends cumulative cashflow and how long your reserves cover it.
Rates climb when you refinance.
Raise the interest, see what your next fixed-rate period costs and how it shifts your break-even.
How it works
Fifteen minutes from first answer to full forecast.
Is this a property you already own, or one you're considering?
Walk us through your property
About 15 minutes of chat: address, purchase, financing, rent, taxes. Best-guess numbers are fine, you can refine later. Autosaved as you go.
We model it for Germany
AfA schedule for your build year, transfer tax for your Bundesland, your filing status, joint or single. Every German rule that matters.
Cashflow
+€127/mo
Tax savings
€4.8k/yr
10yr return
€148k
See your forecast, run scenarios
Year-by-year cashflow, tax savings, and equity build-up. Pull any lever to model what-ifs. Edit your inputs anytime.
FAQ
Questions, answered
Yes. The forecast is forward-looking, it starts from today and projects the years ahead. Whether you closed last month or six years ago, you'll see how your cashflow, tax position, and equity build-up evolve from here, plus the moment when buying another becomes financially feasible.
It uses your current rental's cashflow, equity build-up, and tax position to model your future financial capacity. Combined with your income picture and the typical financing constraints German banks apply, you get a realistic read on the year your next purchase becomes feasible without overstretching.
About 15 minutes for the chat. Around 30 questions covering the property, purchase, financing, rent, and your tax situation. Best-guess numbers are fine, you can refine anytime. Everything autosaves as you go.
Yes. Your answers and the resulting analysis are saved to your account so you can come back, edit inputs, and run new scenarios whenever you need to. Account creation is free.
We model AfA based on your build year, transfer tax based on your Bundesland, your filing status (joint or single), and the way rental income flows through Einkünfte aus Vermietung und Verpachtung. The calculations reflect German tax law for the current year. For final filing decisions, we still recommend a Steuerberater, but the numbers you see should match what they tell you.
Anytime. Every input is editable from the analysis page, and the forecast and scenarios update with your changes. If your situation shifts (rate change, salary change, you leave Germany) you can re-model in seconds.
Add your rental and see the next ten years.
Free, autosaved, takes about 15 minutes.