Rates & sources
SDLT/LTT/LBTT bands vary between England, Wales, Scotland and Northern Ireland. Use the appropriate calculator.
Source: HMRC / Welsh Revenue / Revenue Scotland — figures refreshed at the start of each tax year.
When to use this calculator
- Before buying, renting, refinancing, or reviewing a property investment.
- When you want to compare cash flow, yield, growth, and ownership costs side by side.
- When you need a fast estimate before speaking to an agent, lender, or adviser.
A realistic Ireland planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Purchase Price (€)
€0.30
Current Value (€)
€1,400
Years Held
25 years
After entering these figures, compare total growth, annualised and profit before deciding which scenario looks strongest.
How to read your results
Total Growth
This is the headline outcome, but it is most useful when viewed alongside the supporting metrics below it.
Annualised
Use this metric to compare scenarios side by side and understand how the key drivers affect the final outcome.
Profit
Use this metric to compare scenarios side by side and understand how the key drivers affect the final outcome.
Common mistakes
- !Comparing rent and ownership costs without including taxes, fees, and maintenance.
- !Using purchase price alone without testing the impact of financing or vacancy assumptions.
- !Relying on yield or growth in isolation instead of reviewing the full property case.
What to do next
- Try at least one more scenario so you can compare a realistic range instead of a single estimate.
- Use the related calculators below to cross-check the decision from another angle.
- Open one of the linked guides if you need more context before you act on the result.
Frequently asked
Use arrow keys to navigate items, Enter or Space to expand/collapse.
End-of-article next steps
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