KX Estate vs Excel: an honest comparison
Excel works while you have few properties. When they grow to 10, 30, 50, spreadsheets start costing money: a forgotten payment, an overdue tax, a formula error, unclear yield. KX Estate takes this off your plate: contracts, an auto payment schedule, taxes, reminders, bank reconciliation and analytics — automatically.
| KX Estate | Excel + accountant | |
|---|---|---|
| Reminders for overdue payments and taxes | yes | no |
| Auto payment schedule | yes | manual |
| Yield, payback, NOI | auto | manual formulas, with errors |
| Bank reconciliation (PSD2) | auto | manual |
| Multi-currency at NBM rates | yes | manual |
| Collaboration and roles | yes | files over email |
| AI operator (Claude/ChatGPT) | yes | no |
| Price | €99/mo, all included | "free" — but the cost of errors |
One missed payment is a month gifted to your tenant. One overdue tax is a fine and penalty from SFS. One error in a yield formula is a wrong decision about a property. Excel isn't free — it just shifts the cost of errors onto you. KX makes legal, accurate accounting simple, and handles the data migration for you.
KX Estate vs Excel — frequently asked questions
What's wrong with Excel for rent accounting?
Excel won't remind you about an overdue payment or a tax deadline, won't build a payment schedule, won't reconcile an incoming transfer with the bank, and won't calculate real yield without manual formulas. While you have a single property, that's not a problem. When you have 10–50, the cost of a forgotten payment and a formula error becomes real.
Is it hard to switch from Excel to KX?
No. We migrate your properties and contracts from spreadsheets for you during onboarding, set up taxes and reminders, and train your team — order across the portfolio is visible on launch day.
How many properties justify the switch?
The switch usually pays off from 8–10 properties: that's exactly where Excel starts costing money — forgotten payments, overdue taxes, calculation errors, and unclear yield.