Buy-to-Let Cash Flow Calculator
Estimate monthly rental cash flow after mortgage and property costs.
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Estimate monthly rental cash flow after mortgage and property costs.
Before tax and unexpected costs. Mortgage terms, regulation and tax treatment vary.
How to use this calculator
Enter your values above and the result updates instantly. You can change the inputs as often as you like, and use Reset to restore the example values.
About the result
Estimate monthly rental cash flow after mortgage and property costs. The calculation runs in your browser; the values you enter are not sent to this website.
What the Buy-to-Let Cash Flow Calculator does
Estimate monthly rental cash flow after mortgage and property costs. It is designed for exploring property costs and affordability before speaking to a lender, agent or adviser. The calculator uses the values you enter to produce effective monthly rent, monthly cash flow and annual cash flow without sending your information to the server.
This page is most useful when you want a quick answer and a repeatable way to compare alternatives. Change one input at a time to see which factor has the greatest effect.
How the calculation works
The calculation starts with monthly rent, monthly mortgage payment, management fee, other annual costs and void allowance. It applies the relevant property relationship to calculate effective monthly rent, monthly cash flow and annual cash flow. Results update in your browser whenever an input changes.
Inputs used
- Monthly rent
- Monthly mortgage payment
- Management fee
- Other annual costs
- Void allowance
Results provided
- Effective monthly rent
- Monthly cash flow
- Annual cash flow
Practical tip: Include a buffer for fees, maintenance and rate changes rather than relying only on the headline figure.
Example buy-to-let cash flow calculator setup
The calculator opens with the example values below. They demonstrate the expected format and give you a starting point before entering your own figures.
- Monthly rent
- 1,300
- Monthly mortgage payment
- 720
- Management fee
- 10 %
- Other annual costs
- 2,400
- Void allowance
- 5 %
After entering the values, review effective monthly rent, monthly cash flow and annual cash flow in the results panel. Use Reset whenever you want to return to this example.
Understanding your result
Read the result alongside the inputs that produced it. A precise-looking number is still only as useful as the information entered. For comparisons, keep every input the same except the one factor you want to test.
Property costs, lending criteria and taxes vary. Treat this as a planning estimate, not a mortgage offer or financial advice. The tool rounds displayed answers where appropriate, while the underlying browser calculation retains greater precision.
Frequently asked questions
What information do I need for the Buy-to-Let Cash Flow Calculator?
You need monthly rent, monthly mortgage payment, management fee, other annual costs and void allowance. Use values that describe the same scenario and measurement period so the comparison remains meaningful.
What does the Buy-to-Let Cash Flow Calculator show?
The results cover effective monthly rent, monthly cash flow and annual cash flow. Change any input to compare another scenario; the answer updates immediately.
Can I rely on this property calculation?
Property costs, lending criteria and taxes vary. Treat this as a planning estimate, not a mortgage offer or financial advice.