FREE TOOLS

From an idea
to clear assumptions.

Name your project, prepare your assumptions and download your simulation. Calculations run on your device, without an account.

YOUR PERSONAL WORKSPACE

The book guides you.
Your workspace stays with you.

Your purchase will include a personal workspace to save simulations, compare scenarios, view your dashboard and keep track of your properties.

Saved simulationsPersonal dashboardProperty records and tracking

Special edition12 months free

The complete package and one year of your personal workspace.

Discover this format

Printed book6 months free

Your printed book, complemented by your personal workspace.

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Ebook3 months free

Your digital edition, with a place to save your first projects.

Discover this format

The print + ebook bundle includes 6 months free, just like the printed book.

Explore the demo Discover my workspace

Personal access is activated after purchase verification, for the free period included with your format. An unpaid preorder request does not activate the workspace.

01 · CHECK THE NUMBERS

Your simulation.
Your assumptions.

Your property projectProject name

Property address (Belgium)

Enter at least four characters to see suggestions.

Suggestions: Photon / © OpenStreetMap. Only the address search is sent to the service; the name and amounts stay on your device.

Start from an example

Purchase price€Other purchase costs (excluding duty)€Renovation and initial expenses€

Registration duty

Property regionYour project

Estimated registration duty12.5 %Statutory rate used

Tax base used: €240,000.00

Tax base, conditions and sources

Tax base different from the price (optional)

Default: the entered price. The base must include charges imposed on the buyer and cannot be below market value. A value below the price is ignored.

Calculation for an existing dwelling outside the VAT regime. Brussels EPC allowance, special schemes and purchases with differing buyer eligibility are not simulated. The final amount depends on the file and deed.

Rates checked on November 7, 2026.

Official regional rates

Operation and financing

Assumed monthly rent€ / monthAnnual owner expenses€ / yearVacancy over one yearmonthsMonthly loan payment€ / month

Other costs exclude registration duty: for example fees, deed and mortgage costs. Annual expenses: property tax, insurance, maintenance and owner costs, excluding loan payments and personal tax. Do not count duty or vacancy twice.

TOTAL CAPITAL COMMITTED€300,000.00Price + duty + other costs + works

Purchase price: €240,000.00
Registration duty: €30,000.00
Other purchase costs (excluding duty): €6,000.00
Renovation and initial expenses: €24,000.00

Gross return4,8 %12 months’ rent / total cost

Net return3,4 %Before personal tax and financing

AVERAGE MONTHLY CASH FLOW-€250

Indicative cash shortfall to fund. Before personal tax.

The formula stays visible

Annual net income = rent after vacancy − owner expenses.
Cash flow = (annual net income − 12 loan payments) ÷ 12.

Save my simulations in my workspace Project name, date and unique ID in every filename.

Educational exercise excluding personal taxation, resale and future valuation. No score, market valuation or investment advice.

A result only matters if you know where the figures come from.

Understand gross, net and cash flow

From an idea
to clear assumptions.

The book guides you.
Your workspace stays with you.

Your simulation.
Your assumptions.

Operation and financing

One meeting.
Ten useful habits.

The book is coming. Stay in touch.

Find your next read.

From an ideato clear assumptions.

The book guides you.Your workspace stays with you.

Your simulation.Your assumptions.

Operation and financing

One meeting.Ten useful habits.

From an idea
to clear assumptions.

The book guides you.
Your workspace stays with you.

Your simulation.
Your assumptions.

One meeting.
Ten useful habits.