Real property price calculator
Estimate the CalculaPiso Real Price of a home: add taxes, fees, renovation, financing and a cash buffer. Compare scenarios with and without renovation, project cash flow and resale, and get an indicative verdict before you buy.
Executive summary
What it analyses
Total entry cost
Taxes, purchase costs, renovation, furniture, financing and a liquidity cushion.
What it calculates
Scenarios and returns
With and without renovation, cash flow, estimated resale and margin on real cost.
What decision it supports
Indicative verdict
Whether to dig deeper, negotiate the price or pass on the deal.
1. Purchase and floor area
2. Taxes and renovation
Estimated ITP: 6% — €9,000
Indicative general rate.
3. Financing
4. Rent and resale
Real cost breakdown
Comparison: without vs with renovation
Without renovation
- Real cost
- €172,500
- Cash required
- €52,500
- Expected rent
- €800/month
- Monthly cash flow
- +€121
With renovation
- Real cost
- €198,500
- Cash required
- €78,500
- Expected rent
- €900/month
- Monthly cash flow
- +€201
Real cost difference from renovation: €26,000. Extra cash required: €26,000.
Monthly breakdown
Monthly cash flow
+€121
Monthly breakdown
Monthly cash flow
+€201
Resale scenario
Estimated exit value
€180,000
€2,400/sqm × 75 sqm
Real cost with renovation
€198,500
Comparison base for the margin
Estimated resale margin
-€18,500
-9.3% of real cost
Indicative final verdict
Pass
Under these assumptions the deal is too tight on liquidity, monthly cash or exit margin. Better to look for another opportunity.
Estimated cash shortfall: €38,500 versus the deposit available.
Want to dig deeper into the deal?
Review the CalculaPiso method, the property cash-flow guide or the investment analysis service.
Indicative result. It is not an official valuation or financial, tax or legal advice. Figures depend on the assumptions you enter and may vary for a specific deal.
Frequently asked questions
Questions about real property price
What is the real price of a property?
It is an indicative total of what it costs to enter the deal: purchase price, taxes, closing costs, renovation, furniture and a safety cushion. It helps you judge the investment with criteria, not only the listing price.
Why is the asking price not the real cost?
Because the listing does not include ITP, notary, land registry, admin fees, valuation, renovation, furniture, a liquidity cushion or the effect of financing on monthly cash. Ignoring those items usually inflates apparent yield.
How does renovation affect total cost?
Renovation is calculated on usable sqm and added to real cost. It can improve rent or resale price, but it also raises cash required and risk if the budget or timeline slips.
How do I calculate the cash needed to buy?
Subtract the bank-financed amount from total real cost (with or without renovation). That is the capital you need available at purchase, on top of keeping a buffer for surprises.
Is this calculator an official valuation?
No. Results are indicative and educational. They are not an official appraisal or financial, tax or legal advice. Always review the numbers with professionals before buying.