Buy-to-Let Cash Flow Calculator

See what might remain each month after the rent pays for the mortgage and running costs.

Your rental assumptions

Property value £ Slider: £5,000 to £1,000,000. Type an exact or larger value above.

Total investment including purchase costs £ Slider: £5,000 to £1,000,000. Type an exact or larger value above.

Use the full purchase price plus acquisition costs and refurbishment, not only the deposit.

Gross monthly rent £ Slider: £0 to £5,000. Type an exact or larger value above.

Monthly mortgage payment £ Slider: £0 to £5,000. Type an exact or larger value above.

Agent fee % of rent Slider: 0 % of rent to 25 % of rent. Type an exact or larger value above.

Maintenance allowance % of rent Slider: 0 % of rent to 25 % of rent. Type an exact or larger value above.

Void allowance % of rent Slider: 0 % of rent to 25 % of rent. Type an exact or larger value above.

Insurance and other monthly costs £ Slider: £0 to £1,000. Type an exact or larger value above.

Estimated rental results

Illustrative example — enter your own figures

Gross rental yield: 7.20%
Net operating yield before finance and tax: 4.69%
Gross monthly rent: £1,200.00
Less mortgage payment: £625.00
Less agent fees: £120.00
Less maintenance allowance: £60.00
Less void allowance: £60.00
Less insurance / other costs: £100.00
Monthly cash flow before tax: £235.00

How rental cash flow is calculated

Monthly cash flow = rent − mortgage payment − agent fees − maintenance allowance − void allowance − insurance and other costs. Percentages in this tool are based on gross scheduled rent. Negative cash flow means the property needs additional funding under your assumptions.

Maintenance and void allowances spread uncertain costs over time; actual bills and missed rent may arrive unevenly. A repayment mortgage payment includes principal as well as interest. This cash-flow measure is before tax and is not the same as taxable profit.

Compare gross and net rental yield, then use the buy-to-let calculator to see a longer-term portfolio forecast.