Business Plan Locatif

Business Plan Locatif is a free online simulator for French real estate investors. It builds a complete business plan for a rental property covering profitability, taxation, cash-flow, resale value, and a PDF file ready to share with a banker. No account is required, and the calculators reflect the French tax rules for 2026.

The tool follows the reasoning of a credit analyst in four steps: describe the property and its financing (notary fees are calculated automatically by department), add rents, charges, and the investor's personal situation (including HCSF debt ratio, payment shock, and remaining living cost), then configure taxation (furnished or unfurnished, real regime or micro regime, marginal tax bracket), and finally model the exit through resale. Users can start from one of three example projects or enter their own listing. Key outputs include gross and net yield, monthly cash-flow after tax, loan payments including insurance, and total project cost.

It is designed for individual property investors preparing a rental project, first-time landlords comparing furnished and unfurnished options, and anyone who needs a structured, bank-ready dossier before meeting a lender or a financial advisor. It is published by the real estate investment firm Montclair.