User guide
Buy To Let Calculator
Evaluate rental property using cash flow, ROI and yield estimates.
What this tool does
Estimates rent, costs, mortgage, net income, yield and ROI for a rental property scenario.
Understanding your property investment
Tap a number to explore each part of the screen.
Click a marker on the screenshot to learn what each part does.
Property value
Purchase price used to size rent, yield and how much capital the deal ties up.
Stress-test with conservative valuations if the market is uncertain.
Understanding inputs
| Property value | Price you pay or expect to pay. |
|---|---|
| Deposit / cash invested | Your equity in the deal. |
| Rent and expenses | Income and running costs. |
| Mortgage | Monthly payment if financed. |
Understanding results
Focus on monthly net income for cash flow, yield for rent vs price, and ROI for return on cash invested. Compare with other uses of the same capital.
Worked example
Monthly net income: £362.50
Annual net income: £4,350
ROI: 4.44%
Gross yield: 6.00%
Frequently asked questions
Does this include tax?
Rental tax is not advice here — plan separately with a qualified professional.
Can I use estimated rent?
Yes. Use local letting agent guides or conservative figures.
What expenses should I include?
Insurance, maintenance, void periods, agent fees and mortgage interest.
Is yield or ROI more important?
Use both: yield compares rent to price; ROI compares profit to cash you put in.
How often should I update?
When purchase price, rent or mortgage assumptions change.
Download MoneyMap Pulse
Try this tool on Android and build your financial picture step by step.
Get it on Google Play