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 toolโBTL 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 toolโCash-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 toolโ
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 toolโSection 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 toolโCompany 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 toolโCapital 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 toolโ
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 toolโFlip profitModel a flip: purchase, refurb, bridging finance and selling costs against the sale price, with the net profit, ROI and profit margin.Open toolโHMOWork 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 toolโ
13 free tools and counting. Estimates are guidance for landlords, not financial or tax advice.