Buy and let
Pick district and size – the calculator suggests purchase price, rent and the district's value growth automatically. Then it simulates year by year: loan payments, taxes and value growth. As a curve and a table, in plain language.
Pick a location, enter your equity and calculate. The result appears with chart and milestones.
Rental income minus interest, minus non-recoverable costs, minus 1.5% depreciation on the building share. A loss lowers your income tax (marginal rate), a profit raises it – which is exactly what makes buy-to-let flats attractive tax-wise in the early years.
The Austrian tax office expects the letting to reach a cumulative taxable surplus within about 20 years. If it stays negative permanently, it counts as a "hobby" and the tax benefits are cancelled. The calculator warns you when your scenario heads that way.
VAT option on new builds, capital-gains tax (ImmoESt) on sale, renovations, individual tenant default risk, subsidies and bank conditions. Before deciding: tax advisor and financing consultation.