How long does it take to recoup your stake? This free ROI calculator compares your net annual gain to the capital invested and estimates the payback period of your property investment.

How to interpret it?

• Annual ROI = net annual gain ÷ capital invested × 100
• Payback period = capital invested ÷ net annual gain

The net gain can include cash flow and the share of principal repaid by the tenant. The higher the ROI and the shorter the payback, the more favourable the leverage.

Moroccan context

In Marrakech and Agadir, potential property appreciation and tourism momentum can add to this ROI; factor them into your assumptions with caution.

Assess my project’s profitability

British investors and the UK–Morocco tax treaty

Morocco, and Marrakech in particular, has long attracted British buyers and holiday-home owners, helped by direct flights from London and several UK regional airports. For UK residents earning Moroccan rental income, the UK–Morocco Double Taxation Convention (signed 8 September 1981, in force since 29 November 1990) is designed to prevent the same income being taxed twice: tax paid in Morocco can generally be credited against a UK liability. This matters for ROI, because your real return is the figure net of Moroccan tax, not the gross yield. Confirm your residence status and reporting duties with a qualified adviser, as treaty relief and HMRC rules depend on your personal circumstances.

Frequently asked questions

Should the resale capital gain be included?

The tool focuses on current yield. Any capital gain is added at resale and depends on the market; reason cautiously.

Indicative estimate provided for information only: it is neither financial, tax nor legal advice, nor a guarantee of results. Actual amounts vary by property, location (Marrakech, Agadir, Taghazout, Souss region…) and market conditions. Sources: DGI (tax.gov.ma), HCP (hcp.ma).

ROI and payback period in Morocco: key points 2026

ROI relates the annual gain to the capital invested; the payback period indicates the time to recoup it. The applicable rules are based on the General Tax Code and the Finance Act; brackets and rates may change each year.

How to use the result?

This tool gives an instant estimate from your figures. For an investment decision in Marrakech, Agadir or elsewhere in Morocco, cross-check it with our other calculators (yield, cash flow, taxes) and have your case validated by a professional.

Armonia Solutions support

Armonia Solutions advises investors in Morocco, in Marrakech and Agadir, on structuring, financing and optimising their rental project.

Other frequently asked questions

Should the capital gain be included?

The tool focuses on current yield; any capital gain is added at resale and depends on the market.

Are the default values reliable?

They are 2026 ballpark figures to adjust to your actual situation. The tool does not replace personalised advice.

To go further: discover all our free practical tools and check the official source Haut-Commissariat au Plan (HCP).

For reference, amounts are also converted into US dollars (1 $ ≈ 10 MAD). For an up-to-date rate, use our currency converter.

Read also: Hire an Airbnb Property Manager in Marrakech Morocco