Property investor calculator
Compare buy-to-let, HMO, BRRR and flipping, including purchase tax, finance costs, void periods, management fees, maintenance, renovation, holding costs and estimated tax.
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Purchase and acquisition
Current SDLT rates are calculated automatically and included in cash required.
Finance
Rent and operating costs
Annual costs are deducted after the vacancy allowance.
Setup costs
Tax assumptions
A simplified estimate. Your wider income, allowances, losses and extraction of company profits are not modelled.
Rates and limitations
Purchase-tax defaults use current published rates for higher-rate SDLT, Scottish LBTT and ADS, and Welsh LTT. For personal landlords, the tax estimate uses HMRC's simplified residential finance-cost restriction.
The calculator cannot determine relief eligibility, allowable expenses, losses, personal allowances, associated-company thresholds, dividend tax, VAT, planning or licence requirements.
Verify rent and resale evidence, lending terms, tax treatment, lease restrictions, planning, licensing and works quotes. This estimate is not financial, tax, legal or surveying advice. Get property-specific advice before exchanging contracts.