Rento - Calculadora

Rento is the ultimate real estate profitability calculator, designed by and for investors seeking to make smart decisions based on real data.

Avoid inaccurate calculations and last-minute surprises. With a dark, minimalist, and intuitive interface inspired by the most demanding aesthetic standards, Rento allows you to precisely break down the viability of any property purchase for rental.

What can you calculate with Rento?

• PURCHASE DETAILS: Enter the purchase price and select your Autonomous Community. Rento automatically applies the corresponding Property Transfer Tax (ITP) percentage, adding notary, registry, renovation, and agency fees.

• DETAILED FINANCING: Configure your mortgage by adjusting the loan-to-value (LTV) percentage, term in years, annual nominal interest rate, appraisal, and administrative fees.

• ACTUAL RENT AND EXPENSES: Set the estimated rent and enter community fees, property tax (IBI), insurance (home, life, non-payment), along with key provisions such as maintenance costs and vacancy periods (5% per year recommended). • TAX IMPACT AND TAXES: Rento estimates your income tax bracket and applies the 50% tax deduction for rental housing, calculating the deductible depreciation of the property (3% formula).

Instant ratios and metrics you will obtain:

• ROCE (Return on Capital Employed) in Conservative and Optimistic scenarios.

• Annualized Gross and Net Profitability.

• Exact Annual and Monthly Net Cash Flow.

• Complete breakdown of equity invested (the actual initial capital required).

Analyze your next real estate investment with professional precision. Rento puts the power of an expert spreadsheet in your pocket with the simplicity of a cutting-edge mobile app.

SIMULATION NOTICE AND DISCLAIMER:
Rento is a calculation and simulation tool designed exclusively for educational and informational purposes. All metrics, returns, cash flows, personal income tax deductions, and property transfer tax (ITP) calculations shown in this application represent theoretical mathematical estimates based on data manually supplied by the user.

The calculated results do not constitute, under any circumstances, an offer, a guarantee of actual income, or financial, legal, tax, or investment advice. Real estate investment carries inherent risks of capital loss. We strongly advise you to independently verify all data obtained and consult with a certified financial, legal, and tax advisor before making any financial decisions or acquiring real estate.