Landlord cashflow calculator
A full line-by-line breakdown of every monthly cost a landlord needs to account for. Model your actual cashflow, not just the headline rent minus mortgage.
Income
Used for net yield calculation only
Mortgage
Running costs
Typically 10% for modern, 12-15% for older properties
4 weeks is standard; increase for lower-demand areas
Leasehold costs (if applicable)
Set to 0 for freehold
Typical range £500-£3,000/yr for flats
Monthly cashflow
-£19
Annual cashflow
-£230
Net yield
-0.2%
Total monthly costs
£769
This calculator shows pre-tax cashflow. Income tax treatment depends on your personal rate, Section 24 mortgage interest restrictions, and whether you hold the property personally or via a limited company. Consult a property accountant for after-tax figures.