Rental Calculator

A simple calculator to help you evaluate how effective property investment might be for you.

Please note that property investment is complex and this calculation does not cover all costs associated with the rental of property to multiple tenants. Please see Guidance & Assumptions for more information.

General Information

Legal Entity

Accountancy Fees

House Price Index Increase

Annual property value growth rate

Properties

Property 1

Purchase Price & Value

Already Purchased

Purchase Price

Deposit

Purchase house in Year

Purchase Fees

Solicitors Fees

Mortgage Fees

Duties (e.g. Stamp Duty)

No Duties Required

Mortgage

Mortgage Paid Off (Or Cash Purchase)

Mortgage Remaining

Mortgage Term

Mortgage Rate

Mortgage Type

Monthly Payment

View Potential Value over 25 years

Year	Potential Property Price	Mortgage Remaining	LTV	Total Interest	Potential Return
0	£100,000.00	£75,000.00	75.00%	£0.00	£25,000.00
1	£101,500.00	£73,302.75	72.22%	£3,228.93	£24,968.32
2	£103,022.50	£71,530.18	69.43%	£6,382.53	£25,109.79
3	£104,567.84	£69,678.95	66.64%	£9,457.48	£25,431.41
4	£106,136.36	£67,745.56	63.83%	£12,450.27	£25,940.53
5	£107,728.40	£65,726.38	61.01%	£15,357.26	£26,644.77
6	£109,344.33	£63,617.59	58.18%	£18,174.64	£27,552.10
7	£110,984.49	£61,415.21	55.34%	£20,898.44	£28,670.84
8	£112,649.26	£59,115.10	52.48%	£23,524.50	£30,009.66
9	£114,339.00	£56,712.91	49.60%	£26,048.49	£31,577.60
10	£116,054.08	£54,204.12	46.71%	£28,465.87	£33,384.09
11	£117,794.89	£51,583.99	43.79%	£30,771.92	£35,438.98
12	£119,561.82	£48,847.59	40.86%	£32,961.70	£37,752.52
13	£121,355.24	£45,989.76	37.90%	£35,030.04	£40,335.45
14	£123,175.57	£43,005.10	34.91%	£36,971.55	£43,198.93
15	£125,023.21	£39,887.98	31.90%	£38,780.61	£46,354.61
16	£126,898.55	£36,632.54	28.87%	£40,451.34	£49,814.67
17	£128,802.03	£33,232.62	25.80%	£41,977.60	£53,591.81
18	£130,734.06	£29,681.83	22.70%	£43,352.98	£57,699.25
19	£132,695.07	£25,973.46	19.57%	£44,570.79	£62,150.83
20	£134,685.50	£22,100.51	16.41%	£45,624.02	£66,960.96
21	£136,705.78	£18,055.70	13.21%	£46,505.38	£72,144.70
22	£138,756.37	£13,831.39	9.97%	£47,207.24	£77,717.74
23	£140,837.72	£9,419.61	6.69%	£47,721.64	£83,696.47
24	£142,950.28	£4,812.04	3.37%	£48,040.25	£90,097.99
25	£145,094.54	£0.00	0.00%	£48,154.38	£96,940.15

Income & Costs

Rental Income

Maintenance

Management Fee

Other Fees

Investment Projection

Projection Settings

Years to look into the future: 25

100

Annual Rental Increase %

Annual Rental Increase Per X Years

This table is scrollable horizontally. Swipe or scroll to the right to see all columns.

Year	Property 1 Income	Total Yearly Income	Property 1 Potential Value	Total Portfolio Value	Yearly Profit	Income After Tax	Profit / Loss	Cumulative Profit / Loss
0	£3,793.82	£3,793.82	£25,000.00	£25,000.00	£3,793.82	£3,793.82	£3,793.82	£3,793.82
1	£3,778.82	£3,778.82	£24,968.32	£24,968.32	£3,778.82	£3,778.82	£3,747.15	£7,540.97
2	£3,763.60	£3,763.60	£25,109.79	£25,109.79	£3,763.60	£3,763.60	£3,905.06	£11,446.03
3	£4,234.15	£4,234.15	£25,431.41	£25,431.41	£4,234.15	£4,234.15	£4,555.77	£16,001.81
4	£4,218.46	£4,218.46	£25,940.53	£25,940.53	£4,218.46	£4,218.46	£4,727.57	£20,729.38
5	£4,202.54	£4,202.54	£26,644.77	£26,644.77	£4,202.54	£4,202.54	£4,906.78	£25,636.16
6	£4,696.68	£4,696.68	£27,552.10	£27,552.10	£4,696.68	£4,696.68	£5,604.02	£31,240.18
7	£4,680.28	£4,680.28	£28,670.84	£28,670.84	£4,680.28	£4,680.28	£5,799.02	£37,039.20
8	£4,663.63	£4,663.63	£30,009.66	£30,009.66	£4,663.63	£4,663.63	£6,002.45	£43,041.65
9	£5,182.55	£5,182.55	£31,577.60	£31,577.60	£5,182.55	£5,182.55	£6,750.49	£49,792.14
10	£5,165.40	£5,165.40	£33,384.09	£33,384.09	£5,165.40	£5,165.40	£6,971.89	£56,764.03
11	£5,147.99	£5,147.99	£35,438.98	£35,438.98	£5,147.99	£5,147.99	£7,202.88	£63,966.90
12	£5,692.93	£5,692.93	£37,752.52	£37,752.52	£5,692.93	£5,692.93	£8,006.48	£71,973.38
13	£5,674.99	£5,674.99	£40,335.45	£40,335.45	£5,674.99	£5,674.99	£8,257.92	£80,231.30
14	£5,656.79	£5,656.79	£43,198.93	£43,198.93	£5,656.79	£5,656.79	£8,520.27	£88,751.56
15	£6,229.05	£6,229.05	£46,354.61	£46,354.61	£6,229.05	£6,229.05	£9,384.74	£98,136.30
16	£6,210.30	£6,210.30	£49,814.67	£49,814.67	£6,210.30	£6,210.30	£9,670.36	£107,806.66
17	£6,191.26	£6,191.26	£53,591.81	£53,591.81	£6,191.26	£6,191.26	£9,968.39	£117,775.05
18	£6,792.21	£6,792.21	£57,699.25	£57,699.25	£6,792.21	£6,792.21	£10,899.66	£128,674.71
19	£6,772.60	£6,772.60	£62,150.83	£62,150.83	£6,772.60	£6,772.60	£11,224.18	£139,898.89
20	£6,752.70	£6,752.70	£66,960.96	£66,960.96	£6,752.70	£6,752.70	£11,562.83	£151,461.73
21	£7,383.78	£7,383.78	£72,144.70	£72,144.70	£7,383.78	£7,383.78	£12,567.52	£164,029.24
22	£7,363.28	£7,363.28	£77,717.74	£77,717.74	£7,363.28	£7,363.28	£12,936.32	£176,965.56
23	£7,342.46	£7,342.46	£83,696.47	£83,696.47	£7,342.46	£7,342.46	£13,321.19	£190,286.76
24	£8,005.19	£8,005.19	£90,097.99	£90,097.99	£8,005.19	£8,005.19	£14,406.71	£204,693.47
25	£7,983.75	£7,983.75	£96,940.15	£96,940.15	£7,983.75	£7,983.75	£14,825.90	£219,519.37

Guidance & Assumptions

This tool was created to help friends of mine who were considering entering the property rental market but did not fully understand the costs involved. Please do not base an entire business model on this calculator alone, and seek professional financial advice where required.

The modelling used in this calculator does not include:

Per-tenant costs such as:
- Reference checks
- Deposit protection schemes
- EPC certificates
- Gas safety certificates
- Registration fees (Landlord, ICO)
- Insurance policies

The modelling also assumes 100% occupancy and zero tenant issues — essentially a perfect-world scenario. As everyone knows, the real world is rarely that straightforward.

The following resources were used in the creation of this tool: