Rental Profitability Calculator Poland (2026) | Net ROI
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Rental Profitability Calculator Poland

Estimate net rental cashflow in Poland in 2026, including vacancy, missed payments, running costs, mortgage payments, and PIT (ryczałt) on private rental income.

Last updated (visible on-page): February 2026

Poland rental profitability calculator (2026): tax, mortgage, yearly costs, ROI

As of: 16 February 2026 (Europe/Warsaw).

Educational estimate for foreigners renting out property in Poland under private rental (najem prywatny). Models cashflow, yearly costs, optional mortgage, and ryczałt (lump-sum) PIT on rental revenue (PIT‑28).

Direct Answer: This calculator estimates whether a Poland investment property is likely to be profitable by combining (1) expected rent after vacancy and non-payment, (2) annual running costs, (3) optional mortgage payments, and (4) Polish PIT for private rental (najem prywatny) taxed as lump-sum (ryczałt) on revenue. It also shows ROI metrics like cap rate and cash-on-cash return, so you can compare properties using one consistent method.

Key facts (read this before you use the calculator)

  • This tool models private rental (najem prywatny) only, not rental treated as a business activity.
  • Private rental PIT is ryczałt (lump-sum) on revenue, not on profit, and operating costs do not reduce the tax base.
  • It is possible to have negative cashflow but still owe tax, because tax is on revenue.
  • If your lease makes the tenant responsible for utilities or building charges, those amounts can be excluded from taxable rental revenue even if paid “through” you.
  • Educational estimate only. It is not professional accounting, tax, or investment advice.

Your inputs

All amounts are PLN. Annual costs are per year. Rent is your expected gross rent received.

PLN
Enter the rent amount you expect to receive (before your costs).
%
92% means ~11 months paid, 1 month vacant.
%
Use <100% if you expect arrears, delays, or disputes.
Impacts the revenue threshold where 12.5% applies.
Tax treatment depends on what the lease says. Keep it explicit.
PLN
Only matters if you collect or include charges. Use 0 if not relevant.
Used only when “Included in rent lump-sum” is selected.
PLN
Optional. Do not enter operating costs here.

Yearly costs (cashflow, not tax deductions under ryczałt)

Enter what you actually pay. These reduce profit, but they do not reduce ryczałt PIT base.

PLN
Example: 200 PLN/month for wear and tear.
PLN
For building admin you pay as landlord.
PLN
Plumber, replacements, call-outs.
PLN
Landlord policy, OC, add-ons.
PLN
If you pay it. If tenant pays, keep 0.
Simplified. Real contracts can be more complex.
%
If % mode enter percent. If months enter months. If fixed enter PLN.
PLN
Furnishing, repainting, cleaning, initial fixes.

Mortgage (optional)

Mortgage changes cashflow and cash-on-cash return. It does not reduce ryczałt PIT base in this model.

Toggle to model debt service
PLN
Used for cap rate and cash-on-cash.
PLN
Initial cash invested = down payment + setup costs (simplified).
%
Example: 7.2 means 7.2% yearly.
MO
300 months = 25 years.
PLN
If you know your exact payment, enter it (0 = calculate).
PLN
0 = derived as purchase price minus down payment.
PLN
Optional for cash-on-cash.

Your results

Instant estimates. Monthly values are annual ÷ 12.

Net cashflow (after tax)
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-
Ryczałt PIT (private rental)
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-
ROI snapshot
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Item Annual Monthly
Effective base rent received (after vacancy & collection)--
Tenant charges received (if applicable)--
Tenant charges paid out (if applicable)--
Operating expenses (annual costs + management/letting)--
NOI (before tax, before mortgage)--
Mortgage debt service--
Ryczałt PIT (tax on taxable revenue)--
One-off setup costs (this year)--
Net cashflow after tax (this year)--
Taxable revenue used for PIT (after allowed deductions)--
Effective PIT rate on taxable revenue--

Assumptions and notes

Show assumptions and limitations
  • Educational estimate only. Not professional accounting, taxation, legal, or investment advice.
  • Models private rental (najem prywatny) only, taxed as ryczałt on revenue (PIT‑28). Business rental is not modeled.
  • Operating costs reduce profitability but do not reduce the ryczałt PIT base in this calculator.
  • Vacancy and non-payment are modeled via occupancy rate and collection rate. This is an expected value model.
  • Tenant charges treatment depends on what your lease says. The calculator follows your selected mode.
  • Mortgage section is simplified debt service only. It does not separate interest and principal.
Want this checked by a human who understands foreigners and Polish paperwork? Book a consultation. We will sanity-check your assumptions and show you where people usually mis-model costs and tax.
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