Cedolare Secca Calculator

The cedolare secca is an optional tax regime for residential rentals: it replaces IRPEF, surtaxes and registration and stamp duties with a single flat tax of 21% (free-market rent) or 10% (agreed rent) calculated on the entire annual rent.

The cedolare secca is convenient when the owner's marginal IRPEF rate is above 21% (or 10% for agreed rent). Under ordinary taxation only 95% of the rent is taxed but with progressive IRPEF rates plus surtaxes, so for medium-high incomes the cedolare is almost always more advantageous.

Under ordinary taxation a lump-sum deduction of 5% of the rent is provided to cover maintenance costs, so only 95% of the rent received contributes to taxable income. With the cedolare secca, instead, 100% of the rent is taxed without any deduction.

The 21% rate covers tenancies at a freely agreed rent, while 10% covers tenancies at a locally agreed rent. You pick the type of contract and the tax is applied to the whole yearly rent.

The comparison applies the flat rate to the whole yearly rent, and the marginal IRPEF rate you enter to 95% of that same rent. The gap between the two amounts is the estimated saving.

It is the yearly rent less the flat tax, that is, what the landlord keeps before costs. It stays an estimate and takes no account of the running costs of the property.

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