Buy To Let Calculator & Yield Estimator
Instantly calculate your rental yield, monthly cash flow, and ROI. Free, data-driven property investment tool for landlords and investors.
Estimate Your Rental Yield & ROI
Enter your property details below to instantly calculate your gross yield, net yield, monthly cash flow, and cash-on-cash return on investment.
Property Details
Enter your purchase and rental figures for an accurate estimate
Investment Results
Projected yields and cash flow breakdown
Typical Buy To Let Expenses
Don’t forget to factor in these common ongoing costs when calculating your true net yield and monthly cash flow.
| Expense Category | Typical Cost | Notes |
|---|---|---|
| Letting Agent Fees | 8% – 12% of rent | For full property management services. |
| Maintenance & Repairs | 1% – 2% of property value / yr | General upkeep, appliance replacements. |
| Landlord Insurance | £150 – £300 / year | Buildings, contents, and public liability. |
| Void Period Allowance | 4 – 6 weeks / year | Buffer for time spent finding new tenants. |
| Safety Certificates | £150 – £300 / year | EPC, EICR, Gas Safety, Legionella risk. |
Buy To Let Calculator FAQ
Everything you need to know about rental yields, property investment metrics, and maximizing your landlord returns.
A good gross rental yield typically ranges between 5% and 8% in the UK, depending on the location. Properties in the North of England or Scotland often yield 7-9%, while London properties may yield 3-5% but offer higher capital growth potential.
Return on Investment (ROI) is calculated by dividing your annual net profit (rental income minus mortgage interest, expenses, and taxes) by your total initial cash invested (deposit, stamp duty, and legal fees), then multiplying by 100 to get a percentage.
Most Buy To Let landlords use interest-only mortgages to maximize monthly cash flow, as the tenant’s rent covers the interest payments. The capital is then repaid at the end of the term, often through remortgaging or selling the property.
You should include letting agent fees (typically 8-12%), maintenance and repairs, landlord insurance, ground rent/service charges, safety certificates (EPC, EICR, Gas Safety), and an allowance for void periods (typically 4-6 weeks per year).