LandlordGauge

Rental property cash flow calculator UK

Estimate UK rental cash flow before and after mortgage payments and income tax, with cap rate and cash-on-cash return. Free calculator.

Your property and borrowing

Purchase and mortgage

Agreed or asking price.

From 0% to 100% of the price.

Default 3.75% is Bank Rate, not a mortgage quote. Enter your lender's rate.

Your mortgage term, from 1 to 50 whole years.

For repayment loans, only the interest part qualifies for finance cost relief.

Rent and running costs

Rent before costs.

Weeks without rent each year, from 0 to 52.

Percentage of rent collected.

Annual cost.

Annual allowable cost.

Annual allowable repairs, not improvements.

Your income tax position

Annual taxable salary before income tax.

Annual non-property income, excluding savings and dividends. Enter 0 if none.

Your cash flow

Example result

This property gives £386.62 a month before tax and £262.51 after estimated tax for 2026/27, averaged across the first mortgage year.

Before income tax

Monthly cash flow
£386.62
Annual cash flow
£4,639.42

After income tax

Monthly cash flow
£262.51
Annual cash flow
£3,150.15

Returns

Cap rate
4.36%
Cash-on-cash return before tax
6.19%

Example: illustrative £40,000 salary, no other income and a 25-year term.

Rates as of