Financial clarity for UK landlords

Fast, accurate calculators for yield, tax, mortgages, and profit—built for UK buy-to-let investors. Free to use, no sign-up.

All calculators

• Rental Income Tax Calculator UK — Calculate tax owed at basic/higher/additional rate, Section 24 impact.
• Section 24 Impact Calculator — Shows tax before and after Section 24, extra tax cost.
• Rental Income After Tax — Shows net income after tax based on gross rent and expenses.
• Other Income + Rental Income Tax — Total tax and marginal rate on rental income combined with employment.
• Gross Rental Yield Calculator — Calculate gross yield % from property value and monthly rent.
• Net Rental Yield Calculator — Calculate net yield % factoring in annual costs.
• Buy-to-Let Yield Calculator — Shows yield and cash-on-cash return.
• Refurbishment ROI Calculator — ROI and yield improvement from refurbishments.
• Property Appreciation + Yield — Total annualised return combining yield and capital growth.
• EPC Improvement Payback — Payback period for EPC improvements based on rent increase.
• Boiler Replacement ROI — ROI and payback for replacing a boiler.
• Mortgage Interest Relief Impact — Relief at 20% tax credit vs old full relief.
• Interest-Only vs Repayment — Monthly payment comparison, total interest paid.
• Remortgage Savings Calculator — Monthly saving, total saving, payback period on fee.
• Bridging Loan Cost Calculator — Total interest, total cost, effective APR for bridging.
• Buy-to-Let Affordability — Required rent coverage to pass stress tests.
• SDLT Buy-to-Let Calculator — SDLT owed using UK 2024/25 rates with 3% surcharge.
• Property Purchase Costs — Total purchase costs including SDLT, legal, surveys.
• Letting Agent Fee Calculator — Annual cost and % of rental income for management and tenant-find.
• Void Period Cost Calculator — Annual void cost based on expected void weeks.
• Property Management Fee — Total annual management costs.
• Landlord Insurance Estimator — Estimated insurance range based on property type.
• Service Charge Impact — Impact of service charges on yield and net income.
• Ground Rent Cost Calculator — Future ground rent at sale/exit.
• Wear and Tear Budget — Recommended annual budget for wear and tear.
• Maintenance Reserve Calculator — Recommended annual reserve based on age and type.
• Rent Collection Fee Calculator — Annual fee cost for rent collection and arrears management.
• Buy-to-Let Profit Calculator — Monthly profit/loss factoring all costs.
• Monthly Rental Cash Flow — Cash flow waterfall with itemised costs.
• Annual Landlord Profit — Annual profit and yield on equity.
• Break-Even Rent Calculator — Minimum rent needed to cover all costs and desired margin.
• Minimum Rent Needed — Minimum rent for break-even and target profit.
• Deposit Yield Impact — Yield on equity at different deposit levels.
• Rent Arrears Loss Calculator — Total loss from rent arrears and eviction.
• Tenant Turnover Cost — Turnover cost as % of rent.
• Portfolio Cash Flow — Combined cash flow for up to 5 properties.
• Portfolio Target Income — How many properties needed to reach target income.
• Landlord Emergency Fund — Recommended emergency fund size for your portfolio.
• HMO vs Single Let Comparison — Income comparison and pros/cons summary.
• Airbnb vs Long-Term Let — Annual income comparison.
• Furnished Holiday Let Profit — Profit + tax advantages for FHL.
• Limited Company vs Personal — Personal tax vs company tax comparison.
• Joint Ownership Income Split — Tax for each owner based on split and other income.
• Student Rental Yield — Gross and net yield for student properties.
• London Buy-to-Let Yield — Net yield with London-specific cost presets.
• Rent Increase Calculator UK — Annual income increase and new rent.
• Rent vs Mortgage Payment — Surplus/shortfall and coverage ratio.