Stock Dividend vs. Buy-to-Let Income Calculator ⚖️

Compare After-Tax Passive Income from Global Stocks/ETFs vs. Buy-to-Let Property Investment

Your Investment Profile 👤

Domicile Status (for Cyprus Tax Residents):

Domiciled Non-Domiciled

Non-domiciled status exempts from SDC on dividends and rental income.

Total Investment Capital (€):

The total capital available to invest in either option.

Stock Dividend Investment Details 📈

Annual Dividend Yield (%):

Expected average annual dividend yield from your stock/ETF portfolio.

International Withholding Tax on Dividends:

US-Cyprus Tax Treaty (15%) No Tax Treaty (30%) Non-US/EU Investment (0%)

Withholding tax rate based on the investment's country of origin.

Buy-to-Let Property Investment Details 🏡

Property Location:

Cyprus Home Country (e.g., UK)

Property Type (for Cyprus):

New Resale

New properties have VAT; resale properties have transfer fees.

Number of Buyers (for Cyprus Resale): Affects Transfer Fees calculation for resale properties in Cyprus.

Annual Gross Rental Yield (% of Total Investment Capital):

Gross rent as a % of your **total investment capital**.

Annual Property Expenses (% of Gross Rent):

Includes insurance, agent fees, maintenance, etc.

Disclaimer: This calculator provides an estimation for illustrative purposes only. Actual outcomes may vary significantly due to changes in tax laws, market conditions, or personal circumstances.

Warning: Assumes a single owner for tax purposes. Does not account for potential capital gains taxes on stock or property sales, property vacancy periods, property depreciation, mortgage interest, or other complex deductions/exemptions.

Consult a qualified financial advisor and tax specialist in the relevant country for personalized advice.

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