Rent minus the mortgage isn't your real return. Free rental yield calculator for Spain: gross and net yield and cash return on a buy-to-let, after buying costs, letting fees, upkeep and mortgage interest.
Costs on top of the price
€23,625
Resale home · Andalucía ·
What do you want to work out?
What a home could earn if you let it out, after running costs and the mortgage.
Monthly cash flow after costs and mortgage
Gross yield
5.0%Net yield
4.0%Yearly return on your cash
-1.1%Rent a year
€12,480Running costs a year
€2,496Cash you put in
€86,125Cash you put in is the deposit plus buying costs (€23,625). Before income tax. We start with a rough rent, based on a typical 5.0% gross yield. Change it to the real rent for the area.
An illustration, not investment advice. Rents, costs, rates and tax vary; check with a letting agent and a tax adviser.
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Questions
Resale home in Andalucía: ITP (transfer tax) is about €17,500. All buying costs together come to about €23,625, or 9.5% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in Spain. Some rules on who can buy, or which rate applies, can still depend on where you live.
No general limits on foreign buyers. The golden visa through property ended in April 2025.
An NIE (foreigner's tax number). A Spanish bank account to pay taxes and bills.
We last updated the figures on 15 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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