Primary residenceExample
Up to +80,000 €
Two near-identical flats. One street appreciates 2% a year faster than the other. Over 20 years, up to 80,000 € of difference in wealth.
Grab the founder offer now
Every property, analyzed and summarized into one clear score
The first tool that finally gives you full transparency on your property project in Spain. Real costs, returns, 20-year appreciation: hundreds of criteria condensed into one clear score, readable in seconds.
Your first report is free. No credit card.
Official sourcesand verified
30-second analysisinstant result
+250 criteriaanalysed per property
Independentand objective
0
buying strategies assessed
0–0
one clear score per project
0
Spanish municipalities analysed
0
buyer countries covered
The problem
The most expensive decision of your life, made almost blind
Hours and hours of searching, and still the same unanswered question: is it a good buy, yes or no? The answer depends on your project:
The listed price is not what you will pay. Taxes, notary, renovation, service charges: the real cost shows up after you sign. And two adjacent streets can mean tens of thousands of euros of difference in 20-year appreciation.
Listed price
285 000 €
+Taxes and notaryregional transfer tax + notary and registry26 900 €
+Renovation neededkitchen, bathroom and paint, estimated by item12 500 €
+Service charges and taxes, year 1community fees, property tax and waste tax, by municipality3 000 €
Real purchase cost327 400 €
of which +€42,400 above the listed price
Projected appreciation
In 10 years≈ €403,000+€75,600 · +23%
In 15 years≈ €447,000+€119,800 · +37%
In 20 years≈ €496,000+€168,700 · +52%
At your street’s pace (≈ 2.1%/yr), not just the town’s. Based on your real cost. Illustrative example.
The rent you stop paying
Rent for an equivalent flat in the area€1,926/mo
Your costs as an owner− €416/mo
What you stop throwing away on rent+ €1,510/mo
Per year≈ €18,100/yr
Your mortgage, meanwhile, builds your wealth. Over 20 years, more than €362,000 that stays with you instead of going to rent. And it adds to the capital gain. Illustrative example.
Cover your costs, at your pace
Costs of the flat, per year≈ €3,700/year
To cover 50% of the costs≈ 11 nights/year
To cover 100% of the costs≈ 22 nights/year
Based on €165/night. Two weeks in July are enough: the rest of the year the flat is yours. Illustrative example.
From gross rent to net, no surprises
Gross annual rent23 110 €
Vacancy (2-3 weeks)− 1 156 €
Owner costs− 3 043 €
Rental management (8%)− 1 756 €
Net in your pocket17 155 €/yr
With the area’s real vacancy rate, not an optimistic figure. Illustrative example.
Three occupancy scenarios, not a promise
Cautious · 60% occupancy€24,400/year
Realistic · 77%€31,300/year
Optimistic · 85%€34,600/year
Seasonality, platform fees and management already deducted. Illustrative example.
From purchase to resale, the net result
Purchase price€230,000
Purchase costs + renovationnotary, taxes, renovation by item+ €58,700
Holding costs (~5 months)+ €5,800
Resale of the renovated flat€350,000
Resale costsagency + capital gains tax− €32,800
Net result+ €22,700 · +7.7%
Operation projected over ~9 months, with renovation detailed item by item. Illustrative example.
How it works
From search to decision, in four steps.
Search, open, generate your report, decide. Every step arrives already solved.
Search a property
Every listing arrives already scored. Filter by area, by strategy, or just talk to AI Pilot.
Open the listing
You click the listing you like and it opens full screen, just like the portals you already know. Plus, each strategy gets its own score.
Generate the report
The full InvestScore analysis: yield, capital gain, demand, risk. And once you fill in your Financial capacity, you generate the Cross analysis.
Decide
With every figure in hand, you decide with full clarity. No spreadsheets, no second-guessing.
Lavapiés, Madrid
Primary homeLong-term rentalShort-term rental
87
91
74Apartment · 72 m² · Lavapiés€289,000 · MadridInvestScore by strategyPrimary home82
Second home57
Long-term rental81
Short-term rental91
Renovate and resell22
0
Yield7.2%
Capital gain 10y+18%
Rental demandHigh
Regulatory riskModerate
+ Cross analysis91/100
Recommended as a short-term rental
Cross analysis: +€610/mo margin once you fill in your Financial capacity (optional)
The platform
A property platform. With a brain.
Listings, filters, search by area: everything you already know. The difference is that here every property arrives analysed, score visible before you even open the page.
84298 000 €
Solid yield
79265 000 €
High rental demand
76312 000 €
Improving areaWith AI Pilot, type your search in plain language (“a 3-bedroom flat in Madrid with a pool”) or dictate it by voice. It fills the filters for you.
Hundreds of criteria. One clear score.
Local market, location, liquidity, price, taxation: the engine crosses every dimension that matters and condenses it into a 0 to 100 score. Simple to read, fully justified in the report.
The data
We gather what truly weighs on a purchase: the local market, location, liquidity, price against comparables, applicable taxation.
The analysis
The engine crosses those hundreds of criteria for your specific project. The same flat is not assessed the same way for living as for letting.
Your score
A 0 to 100 score, readable in seconds. Behind it, a full report that justifies it line by line, ready to share.
The 5 strategies
What kind of buy are you making?
The same flat is not worth the same depending on your project. scores it for all five strategies at once. Try it:
Primary home
Established area, services, transport and neighbourhood life: a flat made to be lived in.
Based on a 3-bedroom flat in Madrid, €347,000. Illustrative example.
My financial capacity
Know to the cent what you can afford.
Fill in your financial profile and instantly get your buying frame: budget, down payment and financing. It is the base that unlocks Cross Analysis.
Sample synthesis
Target budget340,000 €
Down payment68,000 €
Debt ratio12 %
Term25 yrs
Financing272,000 €
Essential profile10 fields for a first estimate of your capacity.
Full profile26 fields to unlock the full Cross Analysis.
Your capacity combined with a property’s InvestScore™ gives the Cross Analysis: is it within your budget?
The reports
The score is the summary. This is the proof.
Every analysis generates a full report in seconds, built to be understood and to be shared: with your partner, your agent or your bank.
One flat generates five different reports, one per strategyEverything the flat is worth, made clear
The report that justifies the score, line by line, for the strategy you choose.
You will find:
- The total acquisition cost, line by line: taxes, notary, registry
- Annual charges in detail: property tax, community fees, insurance, utilities
- Your projected wealth at 10, 15, 20 and 25 years, in euros
- Negotiation scenarios: what a −5% or −10% changes
Long-term rental82/100
4,3 %Net yield
+138 000 €20y appreciation
0a5a10a15a20a25a
How much you can borrow, based on where you live
What a bank would really lend you, based on your profile and income. Two levels: Essential to get your bearings, and Complete, ready to hand to your bank and skip the back-and-forth.
You will find:
- Your real financing capacity, calculated the way your bank would
- A calculation based on your tax residence: Switzerland, UK, Germany, France, Netherlands, Italy, Belgium, Poland, Sweden and Ireland
- Your total budget with every purchase cost included
- The Complete report, with the elements your bank will ask for
Financial capacity342 k€Capacity
1 480 €Monthly
🇨🇭 → 🇪🇸Tax residence
PriceLoanDown paymentTaxesNotaryOther
Does this flat fit your budget?
The cross analysis brings both pieces together: what the property is worth and what you can finance. One answer, not two reports to compare by hand.
You will find:
- The flat’s score crossed with your financial capacity
- The margin you keep, month after month, once you buy
- Clear warnings if the project is too big for you, before you sign
- An actionable call: go ahead, negotiate or walk away
Cross analysis82/100
✓Within budget
+610 €Margin / month
PropertyCapac.PaymentIncomeCostsMargin
Your financial data is hosted in Switzerland, protected, and never sold to anyone.
Estimation
Selling or letting your flat? Know its value.
The Estimation module gives you the market value of your own property, computed on the same area references the analysis engine uses.
What is at stake
One decision, thousands of euros
Until now, this level of analysis was reserved for those who could afford a tax advisor, 200 to 500 € a month, or a wealth manager, available only above a certain capital. InvestPilot puts the same reading in the hands of any buyer. You decide with the same tools as those who could afford it.
Property portal
Free, but zero analysis
Advisor or wealth manager
200 to 500 €/mo, reserved for a certain wealth
InvestPilot
24.90 €/mo, the same analysis for everyone
The cost of a blind decision
Second homeExample
−30,000 € on resale
A flat valued at 300,000 € in a sluggish area. Six months with no interest: first cut to 285,000 €. Still no viewings: second cut. Sold at 270,000 €, 10% below the estimate.
Long-term rentalExample
−1,800 €/year
150 €/mo between the rent you imagined and the real one in the area is 1,800 € a year less in returns.
Short-term rentalExample
≈ 10,800 €/year
10 nights a month between your rough guess and the real occupancy in the area, at 90 €/night, is about 10,800 € a year in revenue.
Buy to renovateExample
−10,000 € of margin
You buy a flat for 210,000 € when the street market is at 200,000. 5% too much: 10,000 € of margin gone before laying the first tile.
The same kind of analysis at an advisor costs 200 to 500 € a month. With InvestPilot, 24.90 €.
Plans
Choose your level of clarity
Start free. Upgrade when your project gets serious.
−15%
Free
To explore InvestPilot
0 €forever
- 400 InvestPilot credits
- InvestScore on main residence
- Property estimate and blog included
- AI Pilot search (voice and natural language)
Most popular
Plus
For active buyers
24,90 €/mo
- 4 000 InvestPilot credits
- All 5 strategies on every property
- Financial capacity and Cross Analysis
- Reports in a clean export
- AI Pilot search (voice and natural language)
Premium
For demanding buyers
59,90 €/mo
- 12 000 InvestPilot credits
- AI Pilot search (voice and natural language)
- Priority report generation
- Everything in Plus included
Compare in detail
Free0 €forever
Plus24,90 €/mo
Premium59,90 €/mo
Listings & search
Access to all listings
Classic filter search
AI Pilot search (voice + natural language)
InvestScore™
InvestScore by strategy
Main residence
5 strategies
5 strategies
Financial capacity
Essential profile (10 fields)
Full profile (26 fields)
–
Reports
InvestScore report
Financial Capacity report
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Cross Analysis report
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Export in 2 versions (visual + sober)
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Estimate
Estimate module (sell / rent)
Credits & extras
Included credits
400
4 000
12 000
Extra credit packs
–
Comfort & support
Priority report generation
–
–
Blog & support
Annual plan 15% off. No commitment, cancel anytime.
The questions we get asked
What exactly is the ?
A 0 to 100 score that sums up how good a property is for one specific buying strategy. It is built by crossing hundreds of criteria: local market, location, liquidity, price and taxation. The score reads in seconds, and the report justifies it in detail.
Is this only for investors?
No, quite the opposite. Primary home and second home are the first two strategies of the . Whether you are buying your first flat or finally making the move after years of renting, gives you the numbers usually known only to industry insiders.
I am buying from abroad. Does it work for me?
Yes, that is one of its strengths. The Financial Capacity module calculates how much you can borrow from a Spanish bank based on your tax residence, with 10 countries covered: Switzerland, UK, Germany, France, Netherlands, Italy, Belgium, Poland, Sweden and Ireland. And the analysis accounts for what changes for you: your home country taxation and non-resident buyer obligations.
Where does the data come from?
From professional sources of the Spanish property market, with market references across 2,724 municipalities. We are transparent about the dimensions analysed, and much of the report (local taxes, for instance) can be verified independently.
What do you do with my data?
Nothing beyond giving you your analysis. Your data, including your financial capacity inputs, is hosted in Switzerland, protected, and never sold or shared with third parties.