Property purchase calculator
Estimate purchase costs, mortgage payments, rental yield, and returns for Andorra, Spain, or custom rates — with or without a mortgage.
Country
Purchase intent
Buyer status
Residents with ≥3 years of Andorran residency pay standard 4% ITP. The IIEI foreign investment tax does not apply.
Property & purchase costs
▼Expected annual growth in property value
Mortgage
▼Andorra avg ~3–4%
Long-term rental income
▼Annual growth applied to rent each year
Agency, listings, etc.
Results summaryPrice: €400.000 · Loan: €300.000 · 25 yrs
Total outlay — mortgaged
€128.500
Down payment + purchase costs
Total outlay — cash buyer
€428.500
Full price + purchase costs
Tax & fees
€28.500
ITP 4%
Monthly mortgage payment
€1.502
Principal + interest (yr 1)
Total interest paid
€150.561
Over 25 years
Est. property value at end
€837.511
3%/yr property appreciation
Monthly cashflow — year 1
Cash buyer
Gross rent (occupancy adj.)+€1.800/mo
After income tax & mgmt€1.449/mo
Running costs−€517/mo
Net monthly cashflow€+932/mo
With mortgage
Gross rent (occupancy adj.)+€1.800/mo
After income tax & mgmt€1.449/mo
Running costs−€517/mo
Mortgage payment−€1.502/mo
Net monthly cashflow€-570/mo
Monthly mortgage — principal vs interest
Rental yield & returns
▼Gross yield (yr 1)
5.40%
Gross rent / price
Net yield — cash buyer (yr 1)
2.61%
Annual NCF / cash outlay
Net yield — mortgaged (yr 1)
-5.32%
Annual NCF / cash outlay
Annual gross income (yr 1)
€21.600
90% occupancy
Annual net income (yr 1)
€17.385
After tax + mgmt
Annual cashflow — cash buyer (yr 1)
€+11.185
Income grows 2%/yr thereafter
Annual cashflow — mortgaged (yr 1)
€-6.838
Income grows 2%/yr thereafter
Total return — cash buyer
€810.852
Over 25 yrs, income +2%/yr, sold at end
Total return — mortgaged
€660.290
Over 25 yrs, income +2%/yr, sold at end
Full amortization schedule
▼Annual summary
| Yr | Rate | Payment/mo | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | 3.50% | €1.502 | €7.644 | €10.378 | €292.356 |
| 2 | 3.50% | €1.502 | €7.916 | €10.106 | €284.440 |
| 3 | 3.50% | €1.502 | €8.198 | €9.825 | €276.242 |
| 4 | 3.50% | €1.502 | €8.489 | €9.533 | €267.752 |
| 5 | 3.50% | €1.502 | €8.791 | €9.231 | €258.961 |
| 6 | 3.50% | €1.502 | €9.104 | €8.919 | €249.857 |
| 7 | 3.50% | €1.502 | €9.428 | €8.595 | €240.430 |
| 8 | 3.50% | €1.502 | €9.763 | €8.259 | €230.667 |
| 9 | 3.50% | €1.502 | €10.110 | €7.912 | €220.556 |
| 10 | 3.50% | €1.502 | €10.470 | €7.553 | €210.086 |
| 11 | 3.50% | €1.502 | €10.842 | €7.180 | €199.244 |
| 12 | 3.50% | €1.502 | €11.228 | €6.795 | €188.016 |
| 13 | 3.50% | €1.502 | €11.627 | €6.395 | €176.389 |
| 14 | 3.50% | €1.502 | €12.041 | €5.982 | €164.348 |
| 15 | 3.50% | €1.502 | €12.469 | €5.553 | €151.879 |
| 16 | 3.50% | €1.502 | €12.913 | €5.110 | €138.967 |
| 17 | 3.50% | €1.502 | €13.372 | €4.651 | €125.595 |
| 18 | 3.50% | €1.502 | €13.847 | €4.175 | €111.748 |
| 19 | 3.50% | €1.502 | €14.340 | €3.683 | €97.408 |
| 20 | 3.50% | €1.502 | €14.850 | €3.173 | €82.558 |
| 21 | 3.50% | €1.502 | €15.378 | €2.644 | €67.180 |
| 22 | 3.50% | €1.502 | €15.925 | €2.097 | €51.255 |
| 23 | 3.50% | €1.502 | €16.491 | €1.531 | €34.763 |
| 24 | 3.50% | €1.502 | €17.078 | €944 | €17.685 |
| 25 | 3.50% | €1.502 | €17.685 | €337 | €0 |
For indicative purposes only. Andorra tax rules reflect Law 3/2024 and Law 2/2026 (Omnibus 2) as of early 2026. Monthly cashflow shows year-1 figures; total returns apply annual rent growth as a geometric series. All rates and conditions must be verified with a licensed local solicitor or tax advisor.