UK Buy-to-Let & ROI Calculator

Results

Gross Rental Yield: %

Annual rent (£) divided by purchase price. UK average is ~5-8%.

Net Rental Yield: %

Annual rent minus expenses (£) divided by purchase price.

Annual ROI: %

Net profit relative to your investment (£).

Monthly Cash Flow: £

Your monthly surplus or deficit after expenses.

Break-even Period: years

Time to recover your initial investment based on net profit.

Loan-to-Value (LTV) Ratio: %

Expense Breakdown

Annual Mortgage Interest: £

Annual Maintenance: £

Total Annual Expenses: £

Profitability Summary

Disclaimer: These calculations are estimates based on your inputs and assume no void periods or unexpected costs. Actual returns may vary due to market conditions, taxes, or other factors. For professional advice, consult a financial advisor or visit UK Government Property Resources.

How to Use the Buy-to-Let Calculator

Follow these simple steps to estimate your property investment returns:

Enter the property purchase price in pounds (£).

Input your deposit amount and monthly rental income.

Specify the mortgage interest rate and annual maintenance costs.

Include other costs like stamp duty or legal fees.

Click "Calculate" to see your rental yield, ROI, and more.

Get instant estimates for your buy-to-let investment based on April 2025 market conditions.

Features of Our Buy-to-Let Calculator

Calculates gross and net rental yields based on UK market standards.

Estimates annual ROI to evaluate investment profitability.

Provides monthly cash flow analysis for financial planning.

Estimates break-even period to recover your investment.

Includes LTV ratio to assess mortgage risks.

Responsive design for seamless use on any device.

Frequently Asked Questions

What is a buy-to-let calculator?

A buy-to-let calculator estimates the profitability of a rental property by calculating metrics like rental yield, ROI, and cash flow based on your inputs.

What is rental yield?

Rental yield is the annual rental income as a percentage of the property’s purchase price. Gross yield ignores expenses, while net yield includes them.

How is ROI calculated for buy-to-let?

ROI (Return on Investment) is calculated as the annual net profit (rent minus expenses) divided by your total cash investment (deposit plus other costs).

What is a good rental yield in the UK?

A gross rental yield of 5-8% is considered good in the UK, with net yields typically 3-5% after expenses, depending on location and costs.