Calculate the cash flow of your property — monthly income, expenses and return at a glance.
Enter purchase price, rent and financing — or paste a listing URL and let everything be extracted automatically.
immometrics calculates rental income minus mortgage interest, amortisation, maintenance and ancillary costs.
Monthly cashflow at a glance — with 20-year forecast and three scenarios.
Cashflow is the amount left over — or missing — each month after deducting all costs. A positive cashflow means that rental income covers all ongoing costs and gives you a surplus. A negative cashflow means you are topping up with your own money every month.
Income consists of net rental income — i.e. rent minus vacancy. In Switzerland, vacancy risk is between 2% and 5% depending on location.
Expenses consist of: mortgage interest (1st and 2nd mortgage), amortisation of the 2nd mortgage (as per FINMA within 15 years), maintenance and renovation costs (rule of thumb: 1% of building value per year), management costs, building insurance and any strata costs.
Many investors underestimate ancillary costs and only calculate mortgage interest. immometrics calculates cashflow completely — including all Swiss specifics such as mandatory amortisation and the notional interest rate for affordability assessment.
Important: A barely positive cashflow can quickly turn negative when interest rates rise. Use the stress test to check whether your property is still affordable at 5% interest.