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DealsBuy to Let Calculator

Analyse any buy-to-let in seconds: yields, cashflow and the post-tax truth

A deal that looks good on gross yield can lose money after tax and a rate rise. The Buy to Let Calculator stress-tests it before you offer.

What the calculator works out

Enter the price, refurb, mortgage and rent and the calculator returns gross and net yield, monthly cashflow, total cash in and cash-on-cash return, with stamp duty calculated automatically from the purchase price and the 5% additional-property surcharge.

The stress test and the post-tax view

Where it goes further than a spreadsheet is the stress test and the post-tax view: it shows what happens to your cashflow if interest rates jump, and it compares your post-tax return as a sole trader (under Section 24) versus in a Company, for both the 2026/27 and 2027/28 tax years.

That means you see the deal on your own figures, not the flattering gross number that ignores tax, voids and rate risk.

Try the tool

Buy to Let Calculator

Works through the numbers on a UK rental purchase, from yields and cashflow to stamp duty and tax, as an illustration. This tool is part of the Property Clues UK Landlord Toolkit: 43 educational property calculators and trackers, built for the 2027 tax changes. Pay once, use in your browser.

Free tool

Rental Yield Calculator (Lite)

Gross yield, net yield, cash-on-cash return and cashflow from a price and a rent. Free to use in your browser, no sign-up.

Free tool

Stamp Duty Calculator incl. Buy to Let

SDLT, LBTT and LTT for first-time buyers, home movers and buy-to-let, with the additional-home surcharge. Free to use in your browser, no sign-up.

Educational guidance only. Not financial, tax or legal advice. Tax and property rules change; always verify current figures on GOV.UK and take professional advice before acting. © 2026 Property Clues.

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