For Landlords & Investors

True Net Return
Calculator

See your real annual return after management fees, vacancy, maintenance, Irish income tax, USC, PRSI and Local Property Tax.

Property Details

€
€
Tax Status
€
100% of BTL mortgage interest is deductible against taxable rental income (Finance Act 2024). Reduces taxable income and is a real cash outflow.
10%
8%
0.5%
Purchase & Exit
€
€
Note: Investors buying a 2nd+ property in Ireland typically face both the standard rate AND the +8% investment surcharge. Non-residents face an additional +8% on top of applicable rates. Maximum combined rate = 15% bulk rate.
3%

Return Breakdown

Enter property price and monthly rent above to see your net return.

Leverage & Return on Equity (ROE)

Add a mortgage to see how leverage affects your cash-on-cash return. Enter property details above first.

0%
%
Set LTV > 0% to see leveraged return on equity.
Rent Pressure Zone

Important Notes
CBofI Macro-Prudential Rules

Mortgage Affordability & Stress Test

Ireland's Central Bank sets binding limits on how much you can borrow. Use this tool to check whether a property purchase falls within the CBofI macro-prudential mortgage rules and to stress-test your repayments at a higher rate.

Affordability Inputs

€
€
€
%
30 yrs

Affordability Assessment

Enter your income and property price above to check CBofI limits.
About these limits: The Central Bank of Ireland's macro-prudential rules set a Loan-to-Income (LTI) limit of 3.5× gross household income for both FTBs and movers, and a Loan-to-Value (LTV) limit of 90% (FTB), 80% (mover), or 70% (BTL). Lenders may grant limited exceptions (up to 20% of FTB lending above 3.5× LTI). These limits apply to new mortgage lending in Ireland. Individual lenders also apply their own stress test (typically at current rate + ~2%) to verify affordability. This tool shows indicative figures — your actual mortgage offer may differ.
County Affordability Map

Where in Ireland can I afford to buy?

Enter your income and deposit to see which counties are within your CBofI borrowing limit.

€
€