Free financial calculators for UK landlords

Plain-English tools to plan your property finances. No account needed

Tax Calculators

Stamp Duty (Second property)

Calculate SDLT on a buy-to-let or second home purchase in England. Includes the 5% surcharge and limited company rates.

Capital gains tax on property

Estimate the CGT bill when you sell a buy-to-let. Deducts purchase costs, improvements, and your £3,000 annual exemption automatically.

Section 24 mortgage interest impact

See how much extra tax Section 24 costs you - and whether incorporation could save you money.

Mortgage Calculators

Buy-to-let mortgage affordability

Work out your buy-to-let borrowing limit, LTV, and whether your rental income passes the lender's stress test.

Mortgage repayment calculator

Calculate your monthly buy-to-let mortgage payment and total interest payable over the full term.

Yield and Costs Calculators

Rental yield calculator

Calculate gross and net yield on any buy-to-let property, the first check before any purchase.

Property ROI calculator

Calculate true ROI on a buy-to-let by including all acquisition costs - not just the purchase price.

Void period cost calculator

Quantify the annual income lost to void periods and plan your cash flow contingency.

HMO licence cost estimator

Estimate your HMO licence fee before applying. Fees vary by council; this tool provides a realistic planning range.

Landlord insurance estimator

Get a budgeting estimate for landlord insurance before you start getting quotes.

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