Landlord's calculation and document templates

User guide and information

Files

Vuokranantajan_laskelma.xlsx – calculation template (no macros) 01–09 *.docx – Word document templates (see below) LUEMINUT.txt – this guide

DOCUMENT TEMPLATES (Word, editable; legal references checked against the up-to-date text on Finlex on 27.10.2026, Act 481/1995 as amended by Act 531/2026, in force from 1.10.2026) 01 Notice of termination (landlord) – sections 52 and 54, notice period calculation guide for new contracts and those made before 1.10.2026 02 Notice of termination (tenant) 03 Notice of rent increase – section 27, worked example for the effective date 04 Warning before exercising the right of cancellation – sections 61 and 62 05 Payment reminder – overdue rent 06 Notice of retention of deposit – section 8 (14-day deadline) 07 Apartment inspection report – move-in and move-out 08 Key handover receipt 09 Notice of persons living in the apartment – section 17 a Fill in the parts in square brackets [ ]. Documents requiring verifiable service (01, 04 and the cancellation notice): deliver against acknowledgement of receipt, by summons-style service or by an agreed electronic method with a notification message (section 13 a).

Opening

Works in Microsoft Excel (2010 or newer), LibreOffice Calc and Google Sheets (File > Import). There are no macros, so the file does not ask for permission to enable macros.

Tabs

1. Yield calculation – acquisition, transfer tax, financing (annuity), rental income, costs and results: gross and net rental yield, cash flow in €/month and €/year before and after tax, return on equity.
2. Taxation – rental income as capital income: deductible expenses, treatment of the financing charge (deduction / capitalisation) and the tiered capital income tax of 30 % / 34 % (threshold 30 000 €). The parameters are editable.
3. Comparison – three properties side by side with key figures.
4. Checklist – the stages of renting under the Act on Residential Leases (481/1995, amended by Act 531/2026, in force from 1 October 2026).
5. Guide – user guide, sources and disclaimer.

How to use

• Fill in only the YELLOW cells (blue text). The ready-made figures are EXAMPLE VALUES – replace them with your own property's details.
• Black figures are formulas, green ones are links from another sheet. Do not type over the formulas.
• Start with the Yield Calculation, then check the options on the Taxation tab.

VERIFIED TAX INFORMATION (verified 7.10.2026)

• Transfer tax: housing company share 1,5 % of the debt-free price, real estate 3 % of the purchase price (vero.fi).
• Capital income tax 2026: 30 % up to 30 000 €, 34 % on the excess (Finnish Tax Administration decision on the calculation criteria for withholding tax 2026, section 7.3).
• Deductions from rental income: vero.fi > Rental income > Deductions. Tax rules may change. Check up-to-date information at vero.fi.

Discharge from liability

The tool and document templates are general in nature and do not constitute tax, investment or legal advice. The results are based on the information entered by the user. To the extent permitted by mandatory legislation, the seller is not responsible for decisions made on the basis of the tool.