Rent vs Buy Calculator Poland 2026
Compare the total cost of buying a flat on a mortgage with renting for the same period. Monthly instalment, total interest, benefit difference — free online calculator.
The rental yield calculator helps you evaluate whether buying a property for rental income is a good investment. Enter the purchase price, monthly rent and annual running costs to get gross yield, net yield and payback period. You can also include a monthly mortgage payment if financing the purchase with a loan.
The calculator uses the following formulas: Annual income = monthly rent x 12 Net income = annual income - annual costs (- mortgage x 12 if applicable) Gross yield (%) = annual income / purchase price x 100 Net yield (%) = net income / purchase price x 100 Payback period (years) = purchase price / net income (0 if net income <= 0)
Property price PLN 500,000, monthly rent PLN 3,000, annual costs PLN 5,000 (rental tax, administration). Annual income = PLN 36,000. Gross yield = 36,000 / 500,000 x 100% = 7.2%. Net income = PLN 31,000. Net yield = 6.2%. Payback period = approx. 16 years.
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.
Results are indicative only and do not constitute investment advice. The calculator does not account for property appreciation, transaction costs (notary, tax) or future tax rate changes.
Compare the total cost of buying a flat on a mortgage with renting for the same period. Monthly instalment, total interest, benefit difference — free online calculator.
Calculate Polish rental income tax. Flat-rate (ryczałt) 8.5% / 12.5% or progressive scale – find out how much tax you owe monthly and annually.