Investment Calculator

Cap rate (capitalisation rate) is a measure of a property's potential return, calculated as Net Operating Income (NOI) divided by the property price. A higher cap rate indicates a potentially higher return but often comes with higher risk. Typical Irish residential cap rates range from 4–7%.

Cash-on-cash return measures the annual return on the actual cash you invest (your deposit plus costs), rather than the total property value. It accounts for mortgage financing and shows how hard your invested capital is working. A good cash-on-cash return is typically 8–12%.

Cap rate uses Net Operating Income (after expenses like management, insurance, and maintenance), while gross rental yield uses total rent before expenses. Cap rate gives a more accurate picture of investment performance. Net rental yield is similar to cap rate but may use slightly different expense calculations.

Property investment in Ireland can offer steady rental income and long-term capital appreciation. Key factors to consider include rental yields (which vary significantly by county), property prices, tenant demand, tax implications (up to 52% on rental income), and maintenance costs. Use our calculators to model different scenarios.

Beyond the purchase price, factor in stamp duty (1–6%), legal fees, surveyor fees, mortgage costs, property management (8–12% of rent), insurance, maintenance (1% of value/year), vacancy periods, and tax on rental income. Our calculator helps you model these costs.