Today we’re opening livra.uk/calculadora/rentabilidad-alquiler — a public, free, no-signup tool to find out whether a property is actually worth it before you buy it, before you put a tenant in it, or before you decide whether it’s worth holding on to.
It’s designed for the one question every prospective landlord asks: “is this going to make me money, or am I going to be financing it out of my own pocket every month?” The honest answer rarely fits inside the gross yield you see on listing portals — and that’s where the calculator helps.
What it calculates
From four or five inputs (price, acquisition costs, monthly rent, recurring expenses and a mortgage if you have one), it returns:
- Gross yield — the figure you see on portals. Useful only to discard obviously bad deals.
- Net yield — the real one, after service charge, insurance, maintenance and voids.
- Cash-on-cash return — how much money enters or leaves your account each year if you finance with a mortgage. This is the one almost nobody calculates, and it usually shocks people.
- 10-year projection — the equity you build with this deal, summing cash flow and principal paydown. The full picture.
Plus a couple of key numbers: estimated payback, monthly mortgage payment, own capital you put in.
How to use it
Three steps:
- Open livra.uk/calculadora/rentabilidad-alquiler. No email, no signup.
- Change the inputs to your numbers. Results recalculate instantly.
- Copy the link and send it to your partner or accountant. The link carries your inputs — opening it recreates exactly the same calculation.
Your data never leaves the browser. No signup, no database. If you close the tab, no trace remains.
Why we built it
Because we see that most landlords and investors calculate their yield wrong: they compare gross to net, forget acquisition costs, don’t account for voids, and treat the mortgage payment as pure expense when part of it is actually equity creation.
If real yield is calculated wrong, the buying decision is wrong.
And because it’s also an honest way for people to test Livra’s rigour before joining the waitlist. This is the same financial logic the app applies to each of your properties — but open and free for anyone to use.
Going deeper
If you want to understand why each metric matters, common mistakes and a step-by-step numerical example, we’ve written a long guide on all of this:
How to calculate rental yield (without Excel)
And if you want to use the calculator right now: