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United Kingdom · 24 tools

Property & Real Estate calculators

Borrowing power, completion cash and the monthly payment belong on one page before you make an offer.

Start here, then explore the groups below.

Rental YieldCalculate gross and net rental yield on a buy-to-let property. Enter purchase price, annual rent and costs to see whether an investment property stacks up.Property & Real EstateROICalculate return on investment as a percentage of your initial outlay. Enter net profit and investment cost to measure efficiency of any business decision.Property & Real EstateCapital GrowthCalculate the capital growth of a property or investment over a set period. Enter purchase price, annual growth rate and years held to project the future value.Property & Real EstateProperty Flipping ProfitCalculate profit and ROI on property flipping projects including renovation costs.Property & Real Estate

Work the property decision in cash order

Start with what you can borrow and the deposit band, then add tax and completion cash, then test the monthly payment. A quote that looks cheap on the rate still fails if stamp duty, legal fees or the cash-to-complete figure do not fit.

  1. Fix the purchase price, deposit and LTV before comparing lender rates.
  2. Add stamp duty (or the local transfer tax) and legal/survey costs to the cash you need on day one.
  3. Only then compare monthly repayments, overpayments and whether renting still wins on the same time horizon.

From offer to monthly payment

Property decisions are rarely about one number. A purchase price or headline rent figure can look attractive until you layer in the mortgage, SDLT, conveyancing, surveys, council tax, maintenance, voids, and the cash you would have tied up somewhere else.

The fastest way to use this hub is to start with the decision you are actually facing. If you are buying, compare affordability, mortgage payments, stamp duty, and closing costs. If you are investing, move from gross yield to net yield and then to landlord profit. If you are already owner-occupying, check overpayments, rent increases, or equity release separately instead of mixing them together.

These calculators are most helpful when you want to see which assumption is carrying the deal. A small change in rate, occupancy, fees, or tax treatment can flip the answer. Testing those variables early is a better filter than relying on a single headline return or lender estimate.

Use the popular tools first if you are comparing rent against ownership, budgeting for completion, or reviewing a landlord case. Then move into the grouped calculators and guides below so you can check the same decision from more than one angle.

Guides that support this category

Use these when you need more context before choosing a calculator.

Buying, borrowing, and completion costs2

Use these tools to compare monthly mortgage payments with affordability, rent-versus-buy trade-offs, and the cash needed to complete.

Mortgage vs RentCompare the total cost of buying with a mortgage versus renting long-term. Factor in house price growth, rent increases and investment returns to decide wisely.Closing CostsEstimate closing costs when buying a property, including legal fees, surveys and stamp duty. Budget for the total upfront cost of completing a home purchase.

Landlord and yield analysis3

These calculators show whether a rental works after mortgage interest, voids, management costs, and rent changes are included.

Rental YieldCalculate gross and net rental yield on a buy-to-let property. Enter purchase price, annual rent and costs to see whether an investment property stacks up.Landlord ProfitCalculate monthly and annual landlord profit after mortgage, agent fees, maintenance and insurance.Rent IncreaseCalculate the new monthly rent after a percentage increase and see the extra monthly and annual cost.

Tax, equity, and ownership strategy1

Use this group to compare SDLT, council-tax-style property costs, equity release, and the impact of holding property for longer.

Property TaxCalculate property tax owed based on assessed value and local tax rates. Estimate your annual bill to budget accurately for the cost of owning real estate.

More tools in this category17

Use these supporting calculators when you need a more specific comparison or a second opinion on the same decision.

ROICalculate return on investment as a percentage of your initial outlay. Enter net profit and investment cost to measure efficiency of any business decision.Capital GrowthCalculate the capital growth of a property or investment over a set period. Enter purchase price, annual growth rate and years held to project the future value.Property Flipping ProfitCalculate profit and ROI on property flipping projects including renovation costs.Lease vs BuyCompare the total cost of leasing versus buying a car or asset. Enter lease terms, purchase price and finance rate to find the most cost-effective option.Buy-to-Let ROICalculate rental profits and return on investment for buy-to-let property investments.Council TaxEstimate your council tax bill by band and region using 2026/27 average Band D rates for England, London, Wales and Scotland. Includes single-person and other common discounts.Right to BuyCalculate your Right to Buy discount and purchase price for your council or housing association home. Find out how much discount you qualify for based on years as a tenant.House Price GrowthProject your UK property value over 5 to 25 years. Enter your home's current value and an expected annual growth rate to see future value, total gain, and equity growth.UK Rent Affordability PlannerCompare rent with your take-home pay, essential spending, debt payments and a safety buffer. A personal budgeting view, not landlord eligibility advice.Remortgage True-Cost & Break-EvenCompare a current mortgage with a new deal using payments, product fees, ERCs, cashback, remaining balance and the month switching may break even.Buy-to-Let Post-Tax Cash-FlowEstimate individual-landlord buy-to-let cash flow after voids, expenses, mortgage payments, Income Tax and residential finance-cost relief.Moving House True-Cost PlannerEstimate sale equity, buying and selling fees, property tax, mortgage funding and the cash gap or surplus when moving home in the UK.Mortgage Overpayment vs Savings PlannerCompare mortgage overpayments with saving the same monthly cash, including interest avoided, an entered ERC, liquidity context and an LTV milestone.Mortgage Rate Shock PlannerStress-test mortgage payments when a fixed deal ends using your balance, remaining term, entered future rate and monthly housing budget.Mortgage Deposit & LTV Goal PlannerCalculate the deposit needed for a selected mortgage LTV milestone and estimate the time to reach it using your current savings and monthly contribution.First-Time Buyer Mortgage Stress TestCheck a first-home mortgage payment, regular home costs, monthly cash buffer, upfront cash and a higher-rate scenario before setting a property budget.Rent Stay vs Move PlannerCompare the cost of staying in a rental home with moving, including monthly rent, one-off move costs and the temporary deposit cash gap.

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