Example result based on the prefilled values.
Annual Profit
$10,400.00
Total Profit (10y)
$104,000.00
ROI
41.60%
Continue your plan
Useful next calculations
When to use this calculator
- Before buying, renting, refinancing, or reviewing a property investment.
- When you want to compare cash flow, yield, growth, and ownership costs side by side.
- When you need a fast estimate before speaking to an agent, lender, or adviser.
- When you are assessing whether a rental property still makes financial sense after a mortgage rate change.
- When you want to compare the total cost of renting against owning over a five- or ten-year horizon.
A realistic US planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Property Price ($)
$350,000
Monthly Rent ($)
6
Annual Expenses ($)
4000
Hold Period (Years)
25 years
After entering these figures, review annual profit, total profit (10y) and roi together rather than in isolation — each metric tells a different part of the story. Then rerun the tool with one input adjusted to see which variable has the biggest effect on all three outputs before you settle on a plan.
How to read your results
Annual Profit
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Total Profit (10y)
This is the headline outcome of the calculation, but it is most useful when read alongside the supporting metrics below it rather than in isolation. Try changing one input at a time and watching how this total moves to understand which driver has the biggest impact.
ROI
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Method & assumptionsAuthoritative sources
This calculator estimates the return on investment from a residential buy-to-let property in the UK. It calculates both gross and net rental yield, annual cash flow after mortgage payments and operating expenses, and return on equity based on the capital you have actually invested. Inputs include purchase price, deposit, mortgage rate, term, monthly rent, letting agent fees, insurance, and a maintenance and void allowance. The calculator applies the Section 24 mortgage interest restriction when you specify personal ownership and your income tax band. It does not model capital appreciation, capital gains tax on sale, or the tax treatment of limited company ownership. Results are indicative estimates to help compare potential investment opportunities and should not replace advice from a qualified financial adviser or accountant.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Forgetting location-specific taxes, fees, eligibility rules or payroll deductions where they apply.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
- Use the result to prepare better questions for a lender, provider, adviser or employer rather than treating it as a final answer.
Frequently asked
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