Rental scenario calculator

Rental scenarios in numbers

  • Compare several options for one flat: let it as is, do a light cosmetic refresh, add furniture and appliances, invest in a stronger refurbishment, or test the sale alternative through the savings benchmark.
  • Rent Calc shows the key numbers for each option: rental income, available funds, payback, and final capital over a 1-10 year horizon.
  • So you can see where the spend actually works and where it only reduces your spare cash.
·What you will see in the result
01

Scenario table

spend, average income, available funds, payback, comparison, and final capital.

02

Decision charts

when scenarios overtake the reference point and which one wins on the chosen horizon.

03

Assumptions breakdown

costs, taxes, vacancy, rent growth, the savings rate, and the impact of spare capital.

coststaxesvacancyrent growthsavings ratecapital
How it works
01

Set the property, spare capital, and calculation horizon.

02

Build scenarios: as is, light cosmetic refresh, furniture and appliances, stronger refurbishment, or the sale alternative through savings.

03

See which option gives higher final capital.

Typical situations

One flat — several possible decisions

A property decision is rarely just “refurbish or not”. Usually there is a specific situation: you received the keys, tenants are moving out, you bought a resale flat, you are considering a refresh, or you are comparing rent with selling.

In Rent Calc, that situation can be broken down into several scenarios: keep the flat as is, do a light cosmetic refresh, add furniture and appliances, prepare the flat fully for rent, do a stronger refurbishment, or compare it with a sale alternative where the full capital works in savings.

01

New build without finishing

Compare a minimal fit-out, basic refurbishment with kitchen and appliances, full furnishing, or a stronger refurbishment for a higher rent.

02

New build with developer finishing

Check whether it is better to rent as is, refresh weak points, add furniture and appliances, or redo part of the finish.

03

Tenants are moving out after a long tenancy

Compare renting again without spend, a light cosmetic refresh, replacing worn furniture and appliances, or changing the strategy.

04

Resale flat or older housing stock

Assess minimal preparation, a cosmetic refresh, basic rental refurbishment, full refurbishment, or walking away and keeping the capital in savings.

05

Modern residential complex with existing renovation

Check whether the flat can be rented as is, needs a light refresh, needs furnishing, or justifies a stronger redesign.

06

Rent or sell decision

Compare keeping the flat with the alternative where the flat is treated as sold and the full capital earns savings return.

The value of scenario thinking is not to predict the future. It helps show which assumptions make a scenario stronger or weaker: upfront spend, rent uplift, vacancy, costs, savings rate, property value growth, and calculation horizon.

Rent Calc · STIV Labs

Rent Calc is an applied decision-making tool: scenarios, calculations, charts, and an export of the result for AI review.