IMU, maintenance, taxes, management over the whole period
ROI Totale
38.00%
Rendimento Annuo
6.65%
Profitto Netto
76.000 €
If you sell within 5 years of purchase, the capital gain (plusvalenza) is taxed. You can choose to pay 26% flat tax on the gain, or add it to your IRPEF income. If you sell after 5 years, the gain is completely tax-free. This makes holding property for at least 5 years very tax-efficient.
A total annualised return of 5-8% is considered good, combining rental yield and capital growth. Cities like Milan have seen strong price growth, while southern Italy often offers better rental yields. The best strategy depends on whether you want income or growth.
Key costs include IMU (property tax), cedolare secca or IRPEF on rental income, condominium fees, insurance, maintenance, agency fees, and notary costs at purchase and sale. Registration tax at purchase (2-9% depending on first or second home) is also a significant cost.
Note: This calculator shows pre-tax ROI. Include cedolare secca or IRPEF in your total costs for an after-tax picture. Consult a commercialista for personal tax advice.
Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms
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