Investment calculator
The total cost of a purchase, including the 12–13% that never appears in the headline price.
What it models
- Purchase price plus VAT (10%) and stamp duty (1.2% in Andalucía).
- Notary, registry and legal fees.
- Mortgage scenarios at non-resident loan-to-value limits.
- The staged payment schedule mapped onto a calendar, so you can see when cash is actually needed.
- Ongoing costs after completion — community fees, IBI, non-resident income tax.
What it is not
A projection of returns. We model costs, which are knowable, and deliberately do not forecast capital growth or rental yield, which are not. Anything presented as a yield estimate elsewhere should be treated with the same scepticism.