Annual Property Income & Expense Calculator
This calculator helps you estimate your buy‑to‑let rental income and costs.

Your letting agent fees, property management fees and void periods are calculated automatically as percentages of your gross rental income (10%, 8% and 5% respectively).
Enter your estimated monthly values below. The table will update instantly and show both monthly and annual figures. Please use the buttons at the bottom to load examples or clear your table. These numbers are indicative and intended as a guide for British expats considering investing in UK property.
Category | Monthly (£) | Annual (£) |
---|---|---|
Gross Rental Income | ||
Letting Agent Fees (10% of rent) | ||
Mortgage Interest Payments | ||
Ground Rent / Service Charges | ||
Property Management Fees (8% of rent) | ||
Repairs & Maintenance | ||
Landlord Insurance | ||
Accountant / Bookkeeping Fees | ||
Council Tax / Utilities | ||
Travel / Inspections | ||
Void Periods (no rent) (5% of rent) | ||
Total Expenses | ||
Net Rental Income (Before Tax) | ||
Capital Repayment (if applicable) | ||
Tax Provision (20% of net income) | ||
Surplus / Shortfall (Cash Flow) |
Disclaimer: This tool is for educational purposes only and does not constitute financial advice. Actual costs may vary and tax laws may change. Always consult a qualified professional before making investment decisions.
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