Real Estate Crowdfunding Calculator

Calculate the net return on your real estate crowdfunding investment after taxes and fees.

Parameters

Amount invested (€)

Annual return (%)

Project duration (months)

Tax regime

Net return

5 630 €

Annualized net yield

6.30 %

Investment details

Investment5 000 €

Gross interest+ 900 €

Tax (30.0 %)- 270 €

Net return5 630 €

Net yield12.60 %

Yield breakdown

What is real estate crowdfunding?

Real estate crowdfunding allows individual investors to participate in property development or renovation projects by lending money through regulated platforms. Typical investments range from €1,000 to €10,000 per project, with annual returns of 8-12% over 12 to 36 months. The capital is locked for the project duration.

Gross Return

Interest earned on your investment over the project duration. Returns are typically fixed-rate and paid at maturity or periodically.

Tax Regime

Interest income is subject to the 30% flat tax (PFU) by default, or you can opt for the progressive income tax rate if more favorable.

Net Yield

The annualized net return after all taxes, allowing you to compare with other investments on an equal basis.

How returns are calculated

Gross interest is calculated as: Amount x Annual Rate x (Duration / 12). For example, €5,000 at 10% for 18 months yields €750 gross. The net return depends on your tax regime: flat tax takes 30% (12.8% income tax + 17.2% social levies), while the progressive rate applies your marginal bracket plus social levies.

Risks to consider

Real estate crowdfunding carries risks including project delays (extending lock-up period), developer default (partial or total capital loss), and platform risk. Projects are not covered by deposit guarantee schemes. Diversification across multiple projects and platforms is essential.

Frequently asked questions

Is my capital guaranteed?▼

No. Real estate crowdfunding carries a risk of partial or total capital loss. While platforms perform due diligence, project failures do occur. Default rates vary by platform but typically range from 2-5%.

Which tax regime should I choose?▼

The flat tax (30%) is simpler and often better for investors in the 30% or higher marginal tax brackets. If your marginal rate is 11% or less, opting for the progressive rate saves money.

Can I withdraw my money early?▼

Generally no. Your capital is locked until the project completes. Some platforms offer secondary markets, but liquidity is very limited and not guaranteed.

How does it compare to REITs (SCPI)?▼

Crowdfunding offers higher potential returns (8-12% vs 4-6%) but with higher risk and no liquidity. SCPI provide regular rental income and easier exit. They serve different portfolio roles.