Zinshaus: Rental Property ROI

Calculate return on equity, cash flow and rental yield for your German property investment in under 2 minutes. Zinshaus is the real estate calculator for landlords and investors buying in Germany – built around German tax rules, transfer tax and financing. Note: the app is not a substitute for professional financial or tax advice. PLEASE NOTE: the app interface and all AI analyses are in German. Zinshaus models the German market (Grunderwerbsteuer, AfA depreciation, Spekulationssteuer) and is aimed at people investing in Germany. REAL ESTATE CALCULATOR FOR LANDLORDS AND INVESTORS From purchase price, rent and financing, Zinshaus computes: • Gross rental yield, net rental yield and return on equity • Monthly and annual cash flow, before and after tax • Professional metrics such as NOI, DSCR and LTV ratio • Dynamic return metrics: IRR, NPV and cash-on-cash return • Risk analysis with stress tests and exit scenarios (Premium) PURCHASE COSTS CALCULATED AUTOMATICALLY • Real estate transfer tax by federal state • Notary and land registry fees • Agent commission and other acquisition costs • Standard land value to split land from building FINANCING AND AMORTISATION • Annuity loans with interest, amortisation and extra repayments • Fixed-rate period and follow-up financing at a glance • Remaining debt at the end of the fixed-rate period • Loan-to-value ratio for the conversation with your bank CAPEX MANAGEMENT • Maintenance: immediately deductible repair costs • Modernisation: value-adding, with flexible depreciation • German 15% rule for post-purchase renovation, counted from the purchase date TAX OPTIMISATION (Premium) • Several depreciation methods: straight-line, declining, by building age • Detailed speculation tax calculation • Tax planning with a 10-year projection AI ANALYSES (Premium) • Automatic property assessment powered by artificial intelligence • Yield, location and risk analysis in plain language • Personalised optimisation suggestions DATA VISUALISATION (Premium) • Cash flow forecast: 10 years with monthly granularity • Equity build-up: see your wealth grow over time • Amortisation schedule: principal and interest split MANAGEMENT AND TAX • Anlage V (German rental income tax form): values per property or for your whole portfolio, with line numbers, as PDF or CSV (Premium) • Planned vs. actual: real rent and costs per month against your plan • Deadlines: end of the fixed-rate period and the 10-year speculation period, with reminders (Premium) • Save and compare properties – unlimited with Premium • Photos and notes per property • Location map with infrastructure analysis (Premium) • PDF export for bank meetings WHO ZINSHAUS IS FOR • First-time buyers checking their first flat as an investment • Landlords with a portfolio who want to compare properties properly • Investors underwriting apartment buildings • Anyone who wants to know the numbers before the notary appointment PHONE + BROWSER • Zinshaus now also runs in your browser: app.zinshaus.app • With an account, the same properties stay in sync on iPhone, iPad and computer • Sign in with Apple, Google or email PRIVACY AND SECURITY • Calculations run directly on your device, even offline • Saved properties are stored encrypted in the cloud so they are available on all your devices • Consent to the privacy policy is required ZINSHAUS PREMIUM Premium is an auto-renewing subscription billed through your App Store account. It renews automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel it at any time in your account settings. Questions or feedback: [email protected] Privacy policy: https://zinshaus.app/datenschutz Terms of use: https://zinshaus.app/agb