What is a good rental yield in Finland?

A gross rental yield of 4–6% is generally considered good in Finnish cities. Helsinki and Tampere typically have lower yields (3–5%) due to higher property prices, while smaller cities may offer 5–8%.

How is rental income taxed in Finland?

Rental income is taxed as capital gains income at a flat rate of 30% (34% above €30,000). You can deduct expenses such as loan interest, maintenance fees, and repairs.

What costs should I account for as a landlord?

Key costs include mortgage payments, maintenance fees (yhtiövastike), property tax, insurance, potential renovation costs, vacancy periods, and property management fees if applicable.

Rental Property Calculator

Calculate the return on investment for a rental property in Finland. Estimate rental yield, monthly cash flow, and net profit after all expenses.

Property price (€): 200 000 €

Rental income (€/mo): 900 €

Housing association fee (€/mo): 250 €

Vacancy rate (%/year): 5 %

Loan portion (%): 70 %

Interest rate (%): 4 %

Loan term (years): 25 v

Gross rental yield

5,40 %

Net rental yield

3,33 %

Cash flow/mo

−183,97 €

ROE (return on equity)

−3,68 %

Annual breakdown

Rental income	+10 260,00 €
Costs	−3 600,00 €
Loan repayment + interest	−8 867,66 €
Net cash flow	−2 207,66 €

The calculator does not account for taxes, transfer tax, or renovation costs. Investment property taxation is complex — consult a tax professional.

The rental property calculator helps you judge how profitable a buy-to-let flat is as an investment by working out the rental yield, cash flow and return on equity in one place. Before you buy, you can see whether the property earns or drains money each month.

How the calculator works and what it’s for▾

How the key figures are calculated

Rental yield relates the rent to the property's price and costs, cash flow tells you how much money is left each month after the loan and charges, and return on equity (ROE) measures the return against the cash you actually invested.

Together these figures reveal whether the property makes sense even with leverage. A high rent alone is not enough if costs and interest eat the margin.

What you enter and what you get

You provide the price, the rent, the maintenance charges and any loan terms. The more carefully you account for running costs, the more realistic the cash flow forecast becomes.

In return you get the rental yield, the monthly cash flow and the return on equity. With these you can compare different properties at a glance.

Who it is built for

The calculator suits first-time property investors as well as experienced landlords scouting new targets. It also helps when weighing whether to invest in property or somewhere else.

For anyone using leverage, return on equity shows how a loan affects the profitability of the investment.

Tips and pitfalls

Do not forget vacant months, renovations and unexpected repairs. A realistic calculation sets aside a buffer for these so the cash flow does not surprise you in the red.

Remember the figures are estimates based on your inputs. Check the interest assumption and the charges carefully, since even a small change can flip the direction of the return.

🔄 Reviewed June 2026