Buy-to-Let Cashflow Calculator

Start with the monthly rent, take off the mortgage payment, then take off running costs such as the letting agent fee, a maintenance reserve, insurance and any ground rent or service charge. What is left is your monthly cashflow. This calculator does all of that with the mortgage worked out from your loan, rate and type.

Most landlords use interest-only because the monthly payment is lower, which improves cashflow and the interest is what counts for the lender's stress test. Repayment costs more each month but chips away at the loan. Switch the mortgage type above to see the difference in the payment and the cashflow.

Letting agent fees (often 8 to 12% of rent if managed), a maintenance reserve (10% of rent is a common rule of thumb), landlord insurance, and any ground rent, service charge or licensing on the property. Leaving out a maintenance reserve is the most common reason a deal looks better on paper than in reality.

No. Cashflow is the cash left after the full mortgage payment, whereas taxable profit only deducts the mortgage interest (via the Section 24 basic-rate credit for individuals) and not any capital repayment. A repayment mortgage can leave you with tax to pay on profit you did not keep as cash. Use the Section 24 tool for the tax picture.