Rental Yield Calculator 2026 — Property ROI

Rental yield is the annual rental income expressed as a percentage of the property purchase price. Gross yield ignores costs; net yield deducts all running expenses and gives a realistic picture of returns.

In Poland gross rental yields typically range from 4–7%. Net yields after deducting costs (tax, administration, repairs) are usually 3–5%. Anything above 6% net is considered excellent.

Gross yield = (annual rent / purchase price) x 100%. Net yield deducts annual running costs and mortgage payments. Net yield reflects the investor's actual return.

Payback period (years) = purchase price / annual net income. Example: property PLN 500,000, net income PLN 31,000/year — payback in 16.1 years.

A mortgage makes sense when monthly rent clearly exceeds the monthly mortgage payment plus running costs. At current Polish interest rates (around 6–7%), margins can be thin in the early years.

Include: rental income tax (8.5–12.5%), building administration fee, insurance, maintenance and repairs (1–2% of value), vacancy periods. Enter the combined annual total in the costs field.

Under the flat-rate (ryczalt) system: 8.5% up to PLN 100,000 annual income, 12.5% above. Alternatively, progressive rates (12/32%) apply. Include tax in your annual cost estimate.

When you select kredyt=tak, the calculator subtracts annual running costs plus 12 × monthly mortgage payment from gross income. A negative net income results in a negative yield figure.

It depends on location and price-to-rent ratios. Large cities like Warsaw and Krakow show gross yields below 4% due to high prices. Mid-sized cities often offer better returns.

No — it focuses solely on rental income return. Total return includes capital gain, but that is harder to forecast and not included here.