Property calculators

Calculators built for landlords rather than first-time buyers. Every one works from the figures you enter and shows how it reached the answer.

Buying

Size up a purchase: cash flow, yield, borrowing and the most you should offer.

Buy to let investment calculator

Cash flow, yield, return on cash, a rate stress test and a projection with IRR.

Maximum offer and BRRR calculator

Work back from the done-up value to the most you can pay and still get your money out.

Buy to let borrowing calculator

The most a lender will lend on loan to value and rental cover, and which one limits you.

Rental yield calculator

Gross and net yield after voids, agent fees and running costs.

Property viewing checklist

Note what needs work room by room, then send it straight to a refurbishment budget.

Works

Budget a refurbishment and test a buy, refurbish and sell project.

Refurbishment budget calculator

Room by room works with materials, labour and contingency, using observed material prices.

Property flip calculator

Profit on a buy, refurbish and sell project, and the most you can offer for your target.

Holding and tax

What rate rises and Section 24 do to a property you already own.

Remortgage stress test calculator

What happens to cash flow when your fix ends, and whether a lender would still refinance.

Section 24 landlord tax calculator

Tax on rental profit with the 20% interest credit, compared with owning through a company.

Selling

The tax on a sale, and whether keeping or selling leaves you better off.

Capital gains tax on selling a rental

CGT at 18% and 24% after costs, improvements and the exemption, and the cash left after the mortgage.

Keep or sell calculator

Keep collecting rent or sell, pay the tax and invest the cash: which leaves you better off.

Which one to use

Looking at a property to buy and let as it is? Start with the buy to let investment calculator. It gives the cash flow, the return on your cash, a stress test at a higher rate and a projection over the years you plan to hold.

Buying something that needs work, to refinance afterwards? The maximum offer calculator works back from the value once the work is done to the most you can pay.

Going to a viewing? Take the viewing checklist. Tick what needs work as you go round, then send it to the refurbishment budget, which pre-fills material prices we have recorded.

Buying to sell rather than to let? The flip calculator shows the profit at your offer and the most you can pay for the profit you want.

Not sure a lender will lend what you need? The borrowing calculator applies both lender limits and shows which one stops you.

Unfamiliar with a term? The glossary explains them in plain English.