BTL Yield & Cashflow Calculator
Calculate gross yield, estimated net yield, cash-on-cash return and monthly cash flow in under a minute.
For illustration only, based on the figures you enter. Not financial or investment advice. Actual returns depend on your individual mortgage terms, tax position and running costs.
The yield tells you what the property may return.
It does not tell you whether it fits your plan.
Gross yield
Annual rent divided by purchase price. A quick first comparison, but it ignores every cost of owning the property.
Net yield
Annual rent after mortgage interest, management, maintenance and service charge, divided by purchase price. A more honest number.
Cash-on-cash return
Net annual income divided by the cash you actually put in. It shows how hard your capital is working.
Monthly cashflow
What is left each month after every cost is paid, before personal tax.
Prefer the longer read? See How to read a rental yield number properly.
A calculator gives you the maths.
The wider plan gives it meaning.
Figures are illustrative estimates based on the information entered. They do not constitute mortgage, tax, legal or investment advice. Actual costs, income and finance terms may differ.