Investor's calculator
Rental yield: long-term or short-term letting?
Work out the return on a buy-to-let apartment after costs and flat-rate tax. Compare long-term and short-term letting.
Net yield
per year on the total investment, after costs and flat-rate tax
- Total investment
- Annual revenue
- Annual costs
- Flat-rate rental tax
- Net annual profit
- Gross yield
- Payback (years)
Flat-rate tax on private rental income: 8.5% of revenue up to PLN 100,000 a year and 12.5% above that. Costs are not deductible. The result excludes property value growth and mortgage costs.
I'm looking for a buy-to-let apartmentHow the calculator works
Revenue. For long-term letting: rent multiplied by the number of months the apartment is let. For short-term letting: nightly rate × 365 days × occupancy.
Costs. Fixed costs (service charge, utilities, internet), repairs and insurance, plus operator and booking-platform commission for short-term letting.
Tax. Flat-rate tax on private rental income: 8.5% up to PLN 100,000 of revenue a year and 12.5% above that. If short-term letting is run as a business, different tax rules may apply.
Net yield is profit after costs and tax divided by the total investment (purchase price plus buying and finishing costs). Gross yield is revenue divided by the purchase price, as listings usually quote it.
Rules and rates as of October 2026. The calculator helps you estimate amounts but does not replace advice from a notary, tax adviser or bank.
For buyers and investors
Looking for a buy-to-let apartment?
I will help you choose a location and building where letting pays off. Some investment apartments are shown only off the portals.
- Listings before they reach the portals
- Only properties within your budget
- Contact only about matching listings
- Phone+48 731 701 939
- E-mail[email protected]
- Officeul. Księcia Witolda 48d, 50-203 Wrocław
Frequently asked questions
What is a good rental yield for an apartment in Wrocław?
It depends on location, purchase price and type of letting. Short-term letting usually brings higher revenue but has higher costs, a greater risk of vacancies and needs management. Compare both options in the calculator on the same data.
What tax is paid on private rental income?
Flat-rate tax on recorded revenue: 8.5% of revenue up to PLN 100,000 a year and 12.5% above that. Costs are not deductible from the flat-rate tax.
Does the calculator include a mortgage?
No. The calculator shows the return on the total amount invested. With a mortgage, the return on your own contribution will differ because of interest and instalments.
What should I include in buying and finishing costs?
PCC tax (on the secondary market), notary, court fees, commission, renovation, furniture and equipment. Work out transaction costs in the buying costs calculator.
Calculators
Other calculators
Property value
An indicative price for your apartment based on average prices per m² in 20 Wrocław neighbourhoods.
Net proceeds from sale
What you keep after the sale: after commission, mortgage repayment, tax and other costs.
Tax on sale
Will you pay 19% tax when selling within 5 years, and how much the housing relief can save.
Buying costs
PCC tax, notary, court fees and commission: how much you pay on top of the price.