Do landlords pay tax on rental income?

Yes — rental income above your personal allowance is taxed as income. Allowable expenses (insurance, maintenance, agent fees) can be deducted, but mortgage interest is now limited to basic rate relief only.

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Landlord Profit Calculator

Enter your values

Monthly Rent (R)

Monthly Mortgage (R)

Agent Fee (%)

Maintenance (% of rent)

Annual Insurance (R)

How to Use

Enter your monthly rent, mortgage payment, agent management fee, maintenance allowance, and insurance to calculate your monthly and annual landlord profit. Many landlords underestimate maintenance costs — a 5–10% allowance on rent is a realistic long-term provision for repairs, voids, and refurbishment. This calculator shows gross profit before income tax, which is payable on rental income above your personal allowance.

Frequently Asked Questions

❓ Frequently Asked Questions

Profitability depends heavily on mortgage rate, location, and management costs. Many landlords with low LTV mortgages remain profitable, but higher rates have squeezed margins significantly since 2022.