- What is it?
- Shows what percentage the property “earns” annually from rent before costs, vacancy, or mortgage payments.
- How we calculate it
- (Annual rent ÷ total investment) × 100. Total investment = purchase price + buying costs (lawyer, transfer tax, etc.).
- What it means for you
- Good for quick comparisons, but misleading alone because it ignores utilities, maintenance, and vacancy.
real estate investing, smarter
Is this apartment worth buying?
Gross yield, cap rate, cash flow and investment score (0–100) – so you decide with numbers, not gut feeling.
KSH inflation, MNB rates · Built for the Hungarian property market
5.3% yield on paper. −HUF 45,300 a month in reality.
One real calculation, in 20 seconds.
- Enter the property details
- See the real monthly cash flow – not just the yield
- Decide with numbers, not gut feeling
How you decided before – how you decide now
How you used to decide
- Browsing listings by gut feeling
- Spreadsheets with random formulas
- "Surely a good deal"
- Years later you realise the math was wrong
How you decide now
- KSH inflation & MNB rates pre-filled
- Accurate yield in seconds
- Monthly cash flow breakdown
- Investment score 0–100 (Pro)
- Confident decisions backed by numbers
One calculation. One decision.
Millions at stake.
Sample calculationInput
Purchase price35 000 000 Ft
Monthly rent150 000 Ft
Loan20 000 000 Ft
Net rental yield
0,0%
ProInvestment score with Pro
What do the numbers mean?
You do not need to be a finance expert. Here is a short guide to what you see in the calculator, how we compute it, and what to take away – as a buyer, landlord, or investor.
- What is it?
- Rental yield after 15% Hungarian income tax (SZJA) on rent – based on vacancy-adjusted annual rent as a % of total investment.
- How we calculate it
- (After-tax annual rent ÷ total investment) × 100. Default: 10% cost ratio → taxable income = 90% of revenue → 15% SZJA.
- What it means for you
- Check this first: what you actually keep from rent on the money you invested – after tax.
- What is it?
- Annual net income as a % of purchase price only (not total investment). Helps compare properties at different price points.
- How we calculate it
- (Annual net operating income ÷ purchase price) × 100. Net operating income = rent × 12 × (1 − vacancy%) − annual common charges − annual utilities − annual maintenance (before SZJA).
- What it means for you
- Higher cap rate = more income per purchase price. Often lower in central Budapest, higher in less popular areas.
- What is it?
- What is left (or missing) in your pocket each month after rent, common charges, utilities, maintenance share, and mortgage payment.
- How we calculate it
- Monthly rent (after vacancy) − monthly SZJA − monthly common charges − monthly utilities − (annual maintenance ÷ 12) − monthly payment. Positive = rent covers monthly costs; negative = you top up monthly.
- What it means for you
- Often the key number for landlords: whether the property pays for itself.
- What is it?
- If you buy with a loan, this is the monthly installment to the bank. Brik uses the standard annuity formula.
- How we calculate it
- From loan amount, annual rate, and term (rate ÷ 12, term in months). No loan → 0 Ft payment.
- What it means for you
- If rent is below payment + common charges + utilities + maintenance, cash flow is negative – you may rely on appreciation or future rent increases.
- What is it?
- How many years until total investment (price + buying costs) is recovered from annual net rental income – if income and costs stay flat.
- How we calculate it
- Total investment ÷ after-tax annual rent. No positive after-tax rent → practical payback never.
- What it means for you
- Around 15 years is acceptable for many investors; beyond 25 years feels like a very long-term hold.
- What is it?
- Net yield adjusted for inflation: whether your purchasing power actually grows or you only keep pace with prices.
- How we calculate it
- ((1 + net yield%) ÷ (1 + inflation%)) − 1, as a percentage. Default KSH inflation (1.6%, September 2026) – you can adjust it.
- What it means for you
- Negative real yield can mean nominal gains still lag the economy’s inflation pace.
- What is it?
- A combined score from net yield, cash flow, cap rate, and payback – using thresholds tuned for the Hungarian market.
- How we calculate it
- It weighs four key metrics together: net yield and cash flow carry the most weight, complemented by cap rate and payback period. Scaled against Hungarian market thresholds; the four metrics add up to at most 90 points.
- What it means for you
- 80+ excellent, 60–79 good, 40–59 average, below 40 weak – score visible with Pro; always review individual metrics too.
Calculations are for information only – Brik does not provide investment advice. Try the calculator →
Everything you need
KSH & MNB data
Uses fresh KSH inflation and MNB average mortgage rates by default – adjust anytime.
Market comparison
Pick a district or city and see how the purchase price and rent compare to the local average.
Detailed analysis
Rental yield, cap rate, cash flow, payback – in one place.
Unlimited properties
Save every analysis and compare options (Pro).
Investment score
ProOne number from 0–100 with Hungarian market logic. Pro only.
<10 sec
avg. calculation time
4
key metrics in one place
0 Ft
cost to start
Simple, transparent pricing
The cost of a bad deal: millions. Brik Pro: one-time 5,990 Ft, forever.
Brik Pro
5,990Ft — one-time fee
- Unlimited calculations
- Unlimited saved properties
- Investment score (0–100)
- Compare properties side by side
- PDF export of analysis
Sample result
45M Ft · District VIII · 54 m²
Gross yield6,3 %Cash flow−34 375 Ft/moPayback19,2 yearsScore33 / 100
Property prices in major Hungarian cities
See average prices and rents – then calculate your property's return.
FAQ
Yes, Brik accounts for the 15% Hungarian personal income tax on rental income (SZJA). We support two tax modes for private landlords:
- 10% cost ratio (simplified): pay 15% tax on 90% of revenue, effectively 13.5%
- Itemized deductions: deduct documented expenses (renovation, insurance, amortization)
The calculator shows both gross and net yield, so you see the actual money you keep. Cash flow, payback period, and benchmark comparisons are all calculated on a net (after-tax) basis.
Important: calculations are informational; consult an accountant or tax advisor before making specific tax decisions.
Brik Pro access is paid online by bank card through Stripe. We accept Visa, Mastercard, Maestro, and American Express.
Your payment is secure:
- We never see or store your card details – only Stripe handles them under PCI DSS Level 1 (the same standard major banks use).
- Every transaction is protected with TLS 1.3 encryption.
- 3D Secure (Verified by Visa, Mastercard SecureCode) is supported.
The fee is a one-time 5,990 Ft for lifetime access – no monthly renewal. We email an electronic invoice after successful payment.
Formulas follow industry standards (yield, cap rate, annuity loan, cash flow). Accuracy depends on your inputs – Brik helps you structure the numbers.
Otthon Start was discontinued on 27 October 2026. Its successor, the Wekerle Plusz loan (fixed 3% for new-build, 5% for existing homes), is only available for owner-occupied homes – the property cannot be rented out for 5 years, so use a market rate for investment properties. The calculator defaults to the MNB average market rate. If you still have an Otthon Start loan, enter your own rate in the loan section.
Brik defaults to KSH consumer price inflation and MNB average mortgage rates. You can override them in the calculator.
You enter expected rent from your market research. Brik shows whether the deal works at that rent – it does not replace local market surveys.
On the free tier you get unlimited calculations, cash flow, and 1 saved property (new save overwrites). Pro adds unlimited saved properties, comparison, PDF export, and a detailed investment score.
Yes – one click in your profile, no reason required. Cancellation takes effect at the start of the next billing period; until then you keep Pro features.
You keep Pro until the end of the current month, then return to the free plan. Your data and saved analyses remain – if you subscribe again later, everything is still there.
Yes. Data is stored in the EU (Supabase, Ireland) in an encrypted database. Passwords are bcrypt-hashed – we cannot read them in plain text. See our Privacy Policy.
Free tier: unlimited calculations and 1 saved property. Pro: unlimited saves and analysis – cancel in one click if it is not for you.
No. Brik is decision support to help you think in numbers. It does not replace experts (accountants, valuers, financial advisers). See our Terms.
Only email + password to register. Property figures in the calculator are entered by you (purchase price, rent, loan parameters). We do not share them with third parties.