Terreta Spain Simulator

Total project cost and personal contribution

Simulator Real Estate Purchase Spain | Terreta

Calculate the total cost of the project, your down payment, the loan amount, and the monthly cash flow for your future investment in Spain.

Total project cost
Cash flow after expenses
Profit on Resale
Excel Template

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Important: Contact banks before viewing properties. Click here to learn more about mortgages in Spain.

The Property

Property price € Starting point for all calculations: Enter the price listed in the ad. ITP Rate (%) — Property Transfer Tax 9,0 % Learn more about ITP → Renovations and Furniture € Administrative, registration, and notary fees (excluding ITP) €

Financing

Percentage of financing (% of the property's price) 70 % Interest Rates 3,0 % Loan Term (years) 20 years

Rental

Monthly rental income € This is an important setting in this simulator: change it—by default, we've set it to 7% of the property's price. Annual rental income –

Expenses

IBI (property tax) per year € / year Everything You Need to Know About the IBI → Terreta Rental Management Fees % of rent Entrust your rental property management to Terreta →

Total project cost –

Property Price (including seller's agency fees) i –

ITP Amount i –

Terreta Fees i –

Administrative, registry, and notary fees –

Home Improvement and Furniture –

This total cost is 100% funded by:

Mortgage in Spain i – –

Buyer's Down Payment (Equity) i – –

Cash Flow and Monthly Income Growth

+ Monthly rental income –

− Monthly loan payment i – –

− IBI (property tax) – · Everything You Need to Know About IBI –

− Terreta Rental Management Fees – · Entrust your rental management to Terreta –

Interim Monthly Cash Flow i Revenue − expenses, each month –

Monthly principal accumulation i The portion of your monthly payment that goes toward paying off the loan (average for the first year) –

Total Monthly Growth i Cash flow + assets, each month · or – per year –

This is the second driver of real estate appreciation: as the loan progresses, the portion of interest decreases and the portion of principal repaid increases.

Annual rental income –

Annual Cash Flow –

Gross Return on the Purchase Price of the Home i –

Gross Profit Margin on Total Cost i –

A single workbook with three tabs (project cost, value-added, year-by-year breakdown) and real formulas: the blue cells are editable, and everything else recalculates automatically.

Real Estate Investment Wealth-Building Simulator

Your growth, year after year

What will your net worth look like if you hold onto the property for several years? Your mortgage balance decreases, and rent increases: here’s what you’ll get back when you sell.

Dates

Year of Purchase

Rental

Annual Rent Growth 2,0 %

Resale

Resale value of the property € This is the main feature of this simulator: adjust it to test different resale scenarios.

Our estimate i

According to our calculations, with an annual appreciation of % per year, your property would be worth approximately

The property price, renovation costs, financing, interest rate, loan term, monthly rent, property tax (IBI), and rental management fees are as specified in the simulator above.

Purchase in 2026 · Resale in

Resale value of the property i

Outstanding principal at the time of resale i

Total rental income i

Cumulative rental cash flow i

Total Net Cash on Resale i

Total amount recovered from resale –

ROE — Return on Equity –

Calculating Your Total Growth, Year After Year

← Swipe to see all columns →

Year	Annual rent	Expenses (IBI + management)	Annual credit	Annual Cash Flow	Cumulative Cash Flow	Outstanding Principal	Net Real Estate Value	Total enrichment

This is an estimate for educational purposes. Property tax (IBI) and rental management fees are included; other related expenses (homeowners’ association fees, insurance, rental vacancy costs) and taxes (rental income, capital gains) are not included. The cumulative cash flow is assumed to be held in an account without being reinvested. The property’s value appreciates steadily (at a compound rate) between the purchase price and the resale value you entered. This simulator does not constitute personalized tax, legal, or financial advice: each situation warrants a dedicated analysis with your Terreta advisor.