Free tools & calculators for UK landlords
Straight-talking calculators for UK buy-to-let, powered by the same tested engine as the Padlord app. No sign-up, no email wall. Pick a tool and get an answer.
Yields & returns
Rental yieldWork out the gross and net rental yield on a UK buy-to-let, with running costs and monthly profit before mortgage.Open tool→BTL cashflowSee the monthly and annual cashflow on a buy-to-let after the mortgage, with interest-only or repayment, letting fees, maintenance and insurance.Open tool→Cash-on-cashWork out the cash-on-cash return on a buy-to-let: annual cashflow as a percentage of the deposit, stamp duty, buying costs and refurb you invested.Open tool→
Tax
Stamp dutyWork out stamp duty (SDLT) on a UK property at today's rates, with the 5% buy-to-let surcharge, the effective rate and a band-by-band breakdown.Open tool→Section 24 taxSee what the Section 24 mortgage-interest restriction costs a landlord: tax before and after the change, the 20% credit and your post-tax profit.Open tool→Company vs personalCompare post-tax buy-to-let income held personally under Section 24 against a limited company paying corporation tax, side by side with the difference.Open tool→Capital gains taxEstimate the CGT on selling a buy-to-let: your gain after costs and the annual exempt amount, split across the 18% and 24% rates.Open tool→
Mortgages & financing
Compliance & certificates
Tenancy & the law
Strategies
BRRRModel a BRRR deal: set the purchase, refurb and after-refurb value to see the cash released, the money left in the deal and the post-refinance return.Open tool→Flip profitModel a flip: purchase, refurb, bridging finance and selling costs against the sale price, with the net profit, ROI and profit margin.Open tool→HMOWork out the gross yield and monthly cashflow on an HMO room by room, after bills, voids and the mortgage, compared against a single let.Open tool→
13 free tools and counting. Estimates are guidance for landlords, not financial or tax advice.