Buy-to-Let Calculator
Calculate rental yield, mortgage costs, tax liability under Section 24, and net profit for UK buy-to-let investment properties. Includes additional property stamp duty for England & NI, Scotland, and Wales.
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Results
Gross yield5.08%
Net yield-0.08%
Monthly profit/loss-£16
Annual profit/loss-£189
Tax on rental income£2,025
Section 24 tax credit-£2,063
Net tax payable£0
Rent received breakdown
Mortgage interest£10,313
Running costs£2,569
Income & expenses
| Item | Annual | Monthly |
|---|---|---|
| Rental income | £12,692.31 | £1,057.69 |
| Mortgage interest | -£10,312.50 | -£859.38 |
| Management fees (10%) | -£1,269.23 | -£105.77 |
| Maintenance/repairs | -£1,000.00 | -£83.33 |
| Insurance | -£300.00 | -£25.00 |
| Tax (Section 24) | -£0.00 | -£0.00 |
| Net profit | -£189.42 | -£15.79 |
Section 24 tax calculation
| Item | Amount |
|---|---|
| Net rental income (rent minus running costs) | £10,123.08 |
| Tax at Basic rate (20%) | £2,024.62 |
| Less: 20% tax credit on mortgage interest (£10,312.50) | -£2,062.50 |
| Net tax on rental income | £0.00 |
On a property valued at £250,000 with a monthly rent of £1,100, the gross yield is 5.08%. After mortgage interest of £10,313 per year, running costs of £2,569, and net tax of £0 (under Section 24), the annual loss is -£189 (-£16 per month), giving a net yield of -0.08%.