Real estate tools
Rental yield calculator
Gross, net of costs, net-net after tax: compare the three yields on a let property to see what it really brings in, once void periods, running costs and tax are taken into account.
Prix du bien, frais d’agence inclus (FAI).
≈ 7 à 8,5 % dans l’ancien, ≈ 2 à 3 % dans le neuf.
Budget rénovation à l’acquisition (0 si aucun).
Loyer hors charges, par mois.
Part de l’année sans locataire. Défaut : 5 %.
Par an : copropriété non récupérable, assurance PNO, entretien…
Cotisation annuelle, à la charge du propriétaire.
Agence / gestion locative, en % des loyers encaissés. 0 en direct.
Votre taux d’imposition sur le revenu (0, 11, 30, 41 ou 45 %).
Location nue (revenus fonciers) : 17,2 % (l’immobilier n’est pas soumis au PFU).
- Rendement net-net (après impôt)
- 1,86 %
- Le plus proche de ce que le bien vous rapporte réellement.
Les trois rendements
- Brut (loyer annuel / prix)
- 4,80 %
- Net de charges
- 3,53 %
- Net-net (après impôt)
- 1,86 %
Le détail du calcul
- Coût total (prix + notaire + travaux)
- 216 000 €
- Loyers bruts / an
- 9 600 €
- Loyers encaissés (après vacance)
- 9 120 €
- Frais de gestion / an
- 0 €
- Revenu net avant impôt / an
- 7 620 €
- Impôt (TMI + PS) / an
- -3 597 €
- Revenu net après impôt / an
- 4 023 €
An estimate, not advice
Indicative estimate, not a contractual offer — the actual terms depend on your own situation and are set by the institution or the tax authority. Check with a professional.
How this yield is worked out
The gross yield sets the annual rent (rent × 12) against the purchase price alone; the net yield first deducts void periods, then the non-recoverable running costs, the taxe foncière (the annual local property tax) and management fees, and sets that income against the real total cost (price + frais de notaire + works). The net-net yield finally subtracts tax, estimated here under the régime réel, using your marginal income-tax band plus the social levies of the regime you pick: 17.2 % on an unfurnished let, 18.6 % on a furnished one (LMNP) from 2025 income onwards (residential letting is not subject to the PFU flat tax in 2026).
It is that last figure, the most conservative one, that best reflects what a property actually earns you: a yield remains an assumption, not a guarantee, and depends heavily on the void periods and the running costs you actually face.
Does that yield look thin for the work involved?
SCPIs (French pooled property funds) and property crowdfunding give you exposure to bricks and mortar without managing tenants, with a far lower entry ticket — and other risks, set out on the comparison page.
The other property calculators
- Borrowing capacityEstimate how much capital you could borrow at the 35 % HCSF debt-service ceiling.
- Monthly payment & cost of creditMonthly payment, total cost of interest and insurance, amortisation schedule.
- Frais de notaire (completion costs)Estimate the acquisition costs collected by the notaire — the public officer who completes every French property sale — on an older home as on a new build.
- Renegotiating / refinancing a mortgageWork out what refinancing would save you, early-repayment charges (IRA) and fees included, insurance too.
- Cost of renovation workIndicative renovation budget range per m², by level of work.
- Rental income tax: micro or réelCompare the micro and réel regimes for your let (unfurnished, or furnished under LMNP).
- Property capital gainEstimate the capital-gains tax due on resale (allowances, income tax, social levies, surtax).