Understand your buy-to-let returns before you commit.

A straightforward calculator designed to make rental cash flow and costs easier to understand before you buy.

Try the Calculator How It Works

What the Calculator Does

Enter your property details and financing assumptions to see a complete breakdown of costs, income, and returns.

Monthly Cash Flow

Calculate mortgage payments, running expenses, and monthly profit from rental income.

Investment Returns

See gross yield, net yield, and return on investment to compare properties objectively.

Total Cash Required

Understand upfront costs including deposit, stamp duty, legal fees, and refurbishment.

Why Use This Calculator?

Quick Calculations

Get instant results for monthly payments, yields, and ROI without complex spreadsheets.

UK-Focused

Accurate stamp duty calculations for England, Scotland, and Wales with current rates.

Clear Returns

Understand gross yield, net yield, and return on investment at a glance.

No Hidden Assumptions

Every calculation is transparent with clear explanations of inputs and outputs.

How People Use It

Whether you're new to property investment or an experienced landlord, the calculator helps you make informed decisions.

Evaluating a Property

Before making an offer, quickly assess whether a property meets your investment criteria.

Comparing Mortgage Options

See how different LTV ratios and interest rates affect your monthly cash flow.

Planning Your Budget

Calculate total cash required including deposit, fees, stamp duty, and refurbishment costs.

Transparency First

This calculator is designed to help you understand potential returns and costs. It uses the inputs you provide along with clearly documented assumptions. Results are estimates based on the information entered and should not be considered financial advice.

All calculations explained
No hidden assumptions
Free to use, no account required

Ready to Crunch the Numbers?

Start with the calculator and see how your potential investment stacks up.

Open Calculator