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Free Tool

Buy-to-Let Calculator.

Enter your property details to instantly calculate gross and net yield, monthly cash flow, return on investment and a full cost breakdown.

Free to use
No account needed
Instant results
Updates as you type
UK-specific
SDLT, MTD, S24 aware
Purchase Details
£
£
£
£
£ Auto
Mortgage Details
£
%
Rental Income
£
%
Running Costs
All figures are monthly costs
%
£
£
£
Growth Assumptions
%
Your results will appear here.
Fill in the fields on the left and your full BTL analysis will update instantly, or click Calculate Returns when ready.
This analysis will include
Gross yield & net yield
Monthly cash flow & annual net income
Cash-on-cash ROI & LTV
5-year projected total return
Full cost breakdown & deal verdict
How To Use This Calculator

Analyse Any UK Buy-to-Let in Under Two Minutes

Enter your numbers across the five sections on the left. Everything updates instantly as you type, or click Calculate Returns when you are ready to see the full breakdown.

  1. 1
    Purchase tab:Enter the property value, purchase price, deposit, legal costs and your estimated SDLT.
  2. 2
    Mortgage tab:Set your monthly mortgage payment, interest rate and choose between interest-only or repayment.
  3. 3
    Income tab:Add your expected monthly rent and apply a void allowance to account for vacant periods.
  4. 4
    Running costs:Include management fees, insurance, maintenance and any ground rent or service charges.
  5. 5
    See your results:Instantly see gross yield, net yield, monthly cash flow, ROI and your projected 5-year total return. The deal assessment tells you whether the numbers stack up. Green means strong, amber means marginal, red means it needs work.
About This Tool

The UK's Most Detailed Free Buy-to-Let Calculator

Most BTL calculators give you a gross yield and nothing else. This one gives you the full picture. We account for void periods, management fees, insurance, maintenance, ground rent and service charges, so the net yield you see reflects what you will actually take home.

The 5-year total return projection combines your cumulative net income with estimated capital growth, giving you a more complete picture of the real-world return on your investment — not just the first-year yield.

This calculator is used by UK property investors and investment agencies to quickly assess deal viability before committing to further due diligence. It does not constitute financial advice. Always seek independent professional guidance before investing.

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From Deal Calculation to Live Portfolio

This calculator shows if the deal works today.
We track whether it is working every month.

My Property Organiser connects every property you own into one intelligent platform with live yield, cashflow, equity, MTD compliance and AI-powered signals that tell you when to act.

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AI alerts when to refinance, reinvest or protect your position
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