Calculadora de Alquiler e Inversión
El Simulador Global de Inversión Inmobiliaria
Cómo usar esta calculadora
- 1
Enter Property Details
Input purchase price, down payment, and loan terms. The calculator suggests typical values for your selected country.
- 2
Add Income & Expenses
Estimate monthly rent and operating costs like tax, insurance, maintenance, and a vacancy allowance.
- 3
Analyze Results
Review monthly cashflow, cap rate, cash-on-cash return, and 30-year equity projections.
- 4
Export a Report
Download a PDF report you can bring to a bank meeting or share with a partner.
Preguntas frecuentes
What is Cash-on-Cash return?
Cash-on-Cash return is the annual pre-tax cash flow divided by the total cash you invested (down payment plus closing and renovation costs). It measures the yearly return on the actual money you put in, not the full property price, which makes it useful for comparing leveraged deals.
How do I calculate cap rate?
Cap rate is calculated by dividing Net Operating Income (NOI) by the purchase price. NOI is your gross rental income minus operating expenses such as tax, insurance, maintenance, and management — but before mortgage payments. A property renting for $24,000/year with $8,000 in expenses and a $320,000 price has a cap rate of 5%.
What counts as a good monthly cash flow?
It depends on the market and your goals, but many investors target at least $100–300 per unit per month after all expenses and loan payments. Positive cash flow gives you a buffer for vacancies and repairs; negative cash flow means you're betting on appreciation alone.
Which expenses should I include for a rental property?
Include property tax, insurance, maintenance (often estimated at 1% of the property value per year), property management fees, HOA/common costs, utilities you cover, and a vacancy allowance of roughly 5–8% of gross rent. Underestimating expenses is the most common mistake in rental analysis.
How does the calculator handle different countries?
PropFiCalc adjusts loan structures, typical interest rates, taxes, and currency based on the country you select — for example annuity loans and wealth tax rules in Norway versus 30-year fixed mortgages in the US.
Calculadora de Inversión Inmobiliaria
PropFiCalc es una calculadora profesional de propiedades en alquiler que le ayuda a evaluar la rentabilidad de inversiones inmobiliarias. Nuestra calculadora tiene en cuenta las estructuras de préstamos, reglas fiscales y métodos de depreciación específicos de cada país. Ya sea que esté analizando su primera propiedad de alquiler o expandiendo un portafolio existente, proporcionamos cálculos precisos de flujo de caja, tasa de capitalización y retorno sobre el capital.
A diferencia de las calculadoras simples, PropFiCalc simula el ciclo financiero completo de su inversión durante 30 años. Puede experimentar con pagos adicionales para ver cuántos intereses ahorra y descargar informes PDF detallados para reuniones bancarias o análisis de inversión.
Flujo de Caja
Ingreso neto mensual después de todos los gastos y pagos del préstamo
Cash-on-Cash
Retorno anual sobre su capital invertido
Tasa Cap
Ingreso operativo neto dividido por el precio de compra - independiente del financiamiento