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Rental yield calculator

What actually remains of the rent after vacancy, costs and tax, and whether the mortgage adds up.

Yield

PLN
m²
PLN
mo.
PLN

Per month, paid even when the flat is empty.

PLN

Flat rate on revenue; tax scale on income after costs.

Net yield

4.7%

Gross yield
6.9%
Price per m²
PLN 14,000
Rent collected per year
PLN 44,000
Owner costs per year
−PLN 7,263
Tax per year
−PLN 3,740
Left per year
PLN 32,998
Net per month
PLN 2,750
Payback
21.2 years

Rent at which you break even: PLN 722

Apartments up to PLN 700,000

An estimate on the stated assumptions, without any change in the flat's value. Confirm the tax rules with a tax adviser.

The result is saved in the page address: copy the link to share it.

How we calculate

The formulas the calculator uses. Nothing is hidden.

  1. Gross yield = rent × 12 / price.
  2. Rent collected = rent × (12 − vacant months).
  3. Costs = service charge × 12 + property tax (PLN/m²) × area + insurance.
  4. Tax = rate × rent collected (flat rate) or × (rent collected − costs) (tax scale).
  5. Net yield = (rent collected − costs − tax) / (price + renovation + purchase costs).

Assumptions

Every number the calculator assumes for you, with the date it was checked and its source.

  • Tax on rental income (flat rate input)8.5%As of sourceNeeds legal or tax review

    Private rental: ryczałt 8.5% on revenue up to 100 000 PLN a year, 12.5% above, per taxpayer (PIT-28). The 2026 figures come from secondary sources agreeing with each other; the PIT act was not read. A separate 15% on related-party rent above 100 000 is reported from 2027 and not modelled. See TAX_OPTIONS.

  • Property tax per m² per year (residential)1.25 PLN/m² a yearAs of sourceNeeds legal or tax review

    2026 statutory ceiling from the Minister's announcement (Monitor Polski 2025 poz. 726); the municipality sets the real rate, often lower. One source gives 1.29 for 2027, unverified.

  • Vacancy per year1 monthsAs of illustrative value

    Planning allowance, not market data.

  • Owner-paid administrative rent and other monthly costsPLN 0As of illustrative value

    Default 0: enter the flat's czynsz administracyjny. Paid all year, also when vacant.

  • Property insurance per yearPLN 0As of illustrative value

    Default 0: enter your premium.

Not advice

The calculator shows an estimate on the stated assumptions. It is not a loan offer, nor financial, legal or tax advice. The bank, the notary and the tax office set the final amounts.

What next

Take the result where it is useful.

Apartments in WarsawWork out the paymentCheck your borrowing capacityWork out the buying costsPrices by districtBuying step by step
Questions

How to read it? Questions about this calculator

How is private rental income taxed in Poland?

A flat 8.5% on revenue up to PLN 100,000 a year and 12.5% above, per person rather than per flat. Confirm the details with a tax adviser.

What is the difference between gross and net yield?

Gross is rent against price. Net takes off vacancy, owner costs and tax and divides by the whole investment including renovation and buying costs. Net is what you earn.

Do you include the flat's value going up?

No. The calculator only counts rental income; price growth or decline is a separate risk that cannot be honestly guessed.

A result is where the conversation starts

Tell us what you got and we will show apartments that fit, plus what a calculator cannot see.

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Elsewhere in the knowledge base

  • Playbook

    Procedures from reservation to handover: what to do, in what order, what to check.

  • Know-how

    Explainers: costs, taxes, mortgages for foreigners, developer risk, buyer rights.

  • Questions & answers

    Short answers to what buyers ask most, grouped by topic.

  • Investor notes

    Renting, yield, taxes and risk: looking at a flat as an investment.

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