Rental Calculator

Evaluate the profitability of buy-to-let property investment across one or more properties.

General Information

Legal Entity

Accountancy Fees

House Price Index Increase

Annual property value growth rate

Properties

Property 1

Purchase Price & Value

Already Purchased

Purchase Price

Deposit

Purchase house in Year

Purchase Fees

Solicitors Fees

Mortgage Fees

Duties (e.g. Stamp Duty)

No Duties Required

Mortgage

Mortgage Paid Off (Or Cash Purchase)

Mortgage Remaining

Mortgage Term

Mortgage Rate

Mortgage Type

Monthly Payment

View Potential Value over 25 years

Year	Potential Property Price	Mortgage Remaining	LTV	Total Interest	Potential Return
0	£100,000.00	£75,000.00	75.00%	£0.00	£25,000.00
1	£101,500.00	£73,302.75	72.22%	£3,228.93	£24,968.32
2	£103,022.50	£71,530.18	69.43%	£6,382.53	£25,109.79
3	£104,567.84	£69,678.95	66.64%	£9,457.48	£25,431.41
4	£106,136.36	£67,745.56	63.83%	£12,450.27	£25,940.53
5	£107,728.40	£65,726.38	61.01%	£15,357.26	£26,644.77
6	£109,344.33	£63,617.59	58.18%	£18,174.64	£27,552.10
7	£110,984.49	£61,415.21	55.34%	£20,898.44	£28,670.84
8	£112,649.26	£59,115.10	52.48%	£23,524.50	£30,009.66
9	£114,339.00	£56,712.91	49.60%	£26,048.49	£31,577.60
10	£116,054.08	£54,204.12	46.71%	£28,465.87	£33,384.09
11	£117,794.89	£51,583.99	43.79%	£30,771.92	£35,438.98
12	£119,561.82	£48,847.59	40.86%	£32,961.70	£37,752.52
13	£121,355.24	£45,989.76	37.90%	£35,030.04	£40,335.45
14	£123,175.57	£43,005.10	34.91%	£36,971.55	£43,198.93
15	£125,023.21	£39,887.98	31.90%	£38,780.61	£46,354.61
16	£126,898.55	£36,632.54	28.87%	£40,451.34	£49,814.67
17	£128,802.03	£33,232.62	25.80%	£41,977.60	£53,591.81
18	£130,734.06	£29,681.83	22.70%	£43,352.98	£57,699.25
19	£132,695.07	£25,973.46	19.57%	£44,570.79	£62,150.83
20	£134,685.50	£22,100.51	16.41%	£45,624.02	£66,960.96
21	£136,705.78	£18,055.70	13.21%	£46,505.38	£72,144.70
22	£138,756.37	£13,831.39	9.97%	£47,207.24	£77,717.74
23	£140,837.72	£9,419.61	6.69%	£47,721.64	£83,696.47
24	£142,950.28	£4,812.04	3.37%	£48,040.25	£90,097.99
25	£145,094.54	£0.00	0.00%	£48,154.38	£96,940.15

Income & Costs

Rental Income

Maintenance

Management Fee

Other Fees

Investment Projection

Projection Settings

Years to look into the future: 25

100

Annual Rental Increase %

Annual Rental Increase Per X Years

This table is scrollable horizontally. Swipe or scroll to the right to see all columns.

Year	Property 1 Income	Total Yearly Income	Property 1 Potential Value	Total Portfolio Value	Yearly Profit	Income After Tax	Profit / Loss	Cumulative Profit / Loss
0	£3,793.82	£3,793.82	£25,000.00	£25,000.00	£3,793.82	£3,793.82	£3,793.82	£3,793.82
1	£3,778.82	£3,778.82	£24,968.32	£24,968.32	£3,778.82	£3,778.82	£3,747.15	£7,540.97
2	£3,763.60	£3,763.60	£25,109.79	£25,109.79	£3,763.60	£3,763.60	£3,905.06	£11,446.03
3	£4,234.15	£4,234.15	£25,431.41	£25,431.41	£4,234.15	£4,234.15	£4,555.77	£16,001.81
4	£4,218.46	£4,218.46	£25,940.53	£25,940.53	£4,218.46	£4,218.46	£4,727.57	£20,729.38
5	£4,202.54	£4,202.54	£26,644.77	£26,644.77	£4,202.54	£4,202.54	£4,906.78	£25,636.16
6	£4,696.68	£4,696.68	£27,552.10	£27,552.10	£4,696.68	£4,696.68	£5,604.02	£31,240.18
7	£4,680.28	£4,680.28	£28,670.84	£28,670.84	£4,680.28	£4,680.28	£5,799.02	£37,039.20
8	£4,663.63	£4,663.63	£30,009.66	£30,009.66	£4,663.63	£4,663.63	£6,002.45	£43,041.65
9	£5,182.55	£5,182.55	£31,577.60	£31,577.60	£5,182.55	£5,182.55	£6,750.49	£49,792.14
10	£5,165.40	£5,165.40	£33,384.09	£33,384.09	£5,165.40	£5,165.40	£6,971.89	£56,764.03
11	£5,147.99	£5,147.99	£35,438.98	£35,438.98	£5,147.99	£5,147.99	£7,202.88	£63,966.90
12	£5,692.93	£5,692.93	£37,752.52	£37,752.52	£5,692.93	£5,692.93	£8,006.48	£71,973.38
13	£5,674.99	£5,674.99	£40,335.45	£40,335.45	£5,674.99	£5,674.99	£8,257.92	£80,231.30
14	£5,656.79	£5,656.79	£43,198.93	£43,198.93	£5,656.79	£5,656.79	£8,520.27	£88,751.56
15	£6,229.05	£6,229.05	£46,354.61	£46,354.61	£6,229.05	£6,229.05	£9,384.74	£98,136.30
16	£6,210.30	£6,210.30	£49,814.67	£49,814.67	£6,210.30	£6,210.30	£9,670.36	£107,806.66
17	£6,191.26	£6,191.26	£53,591.81	£53,591.81	£6,191.26	£6,191.26	£9,968.39	£117,775.05
18	£6,792.21	£6,792.21	£57,699.25	£57,699.25	£6,792.21	£6,792.21	£10,899.66	£128,674.71
19	£6,772.60	£6,772.60	£62,150.83	£62,150.83	£6,772.60	£6,772.60	£11,224.18	£139,898.89
20	£6,752.70	£6,752.70	£66,960.96	£66,960.96	£6,752.70	£6,752.70	£11,562.83	£151,461.73
21	£7,383.78	£7,383.78	£72,144.70	£72,144.70	£7,383.78	£7,383.78	£12,567.52	£164,029.24
22	£7,363.28	£7,363.28	£77,717.74	£77,717.74	£7,363.28	£7,363.28	£12,936.32	£176,965.56
23	£7,342.46	£7,342.46	£83,696.47	£83,696.47	£7,342.46	£7,342.46	£13,321.19	£190,286.76
24	£8,005.19	£8,005.19	£90,097.99	£90,097.99	£8,005.19	£8,005.19	£14,406.71	£204,693.47
25	£7,983.75	£7,983.75	£96,940.15	£96,940.15	£7,983.75	£7,983.75	£14,825.90	£219,519.37

Information

What does this calculator do?

This calculator helps you model the income, costs, and projected returns from renting out one or more properties. It accounts for mortgage payments, maintenance, management fees, stamp duty, and UK tax (Income Tax for Sole Traders, Corporation Tax for Limited Companies). An investment projection table shows year-by-year income, portfolio value, and cumulative profit or loss.

How to Use the Rental Calculator

Select your Legal Entity (Sole Trader or Limited Company) and enter any accountancy fees.

Add your property or properties using the Properties section. For each property enter purchase price, deposit, mortgage details, rental income, maintenance, and management fees.

Adjust the House Price Index Increase to set an expected annual property value growth rate.

In the Investment Projection section, set the number of years to project and expected annual rental increases.

Review the projection table for year-by-year income, portfolio value, and cumulative profit or loss.

Frequently Asked Questions

What costs are not included in this calculator?

What is the difference between Sole Trader and Limited Company?

How is stamp duty calculated?

What does "Potential Return" mean in the property table?

Is my data saved or sent anywhere?