Annual Property Income & Expense Calculator

This calculator helps you estimate your buy‑to‑let rental income and costs.

Annual Property & Expense Calculator

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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