Calculateur de Rendement Locatif
Le Simulateur Mondial d'Investissement Immobilier
Comment utiliser ce calculateur
- 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.
Questions fréquentes
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.
Calculateur de Rendement Locatif
PropFiCalc est un calculateur professionnel de rendement locatif qui vous aide à évaluer la rentabilité des investissements immobiliers. Notre calculateur prend en compte les structures de prêt, les règles fiscales et les méthodes d'amortissement spécifiques à chaque pays. Que vous analysiez votre premier bien locatif ou que vous développiez un portefeuille existant, nous fournissons des calculs précis de trésorerie, de taux de capitalisation et de rendement des fonds propres.
Contrairement aux calculateurs simples, PropFiCalc simule le cycle financier complet de votre investissement sur 30 ans. Vous pouvez expérimenter des remboursements anticipés pour voir combien d'intérêts vous économisez et télécharger des rapports PDF détaillés pour vos rendez-vous bancaires ou analyses d'investissement.
Trésorerie
Revenu net mensuel après toutes les charges et mensualités
Cash-on-Cash
Rendement annuel sur votre capital investi
Taux de Cap
Résultat net d'exploitation divisé par le prix d'achat - indépendant du financement