Buy-to-let yield calculator
Gross and net yield on total cash in — price, stamp duty, legals and refurbishment — not on the purchase price alone.
7.8% gross is ordinary. It works for a long-term holder but will not excite a yield buyer.
Monthly rentYOU | £950 |
Annual rentEST | £11,400 |
Total cash inEST Price, stamp duty, legals and refurbishment. | −£145,500 |
Gross yieldEST | 7.8% |
Net income after costsEST | £8,550 |
Net yieldEST | 5.9% |
Price for an 8% gross yieldEST | £127,000 |
Loan the rent supportsEST 125% coverage at 5.50% stressed | £165,818 |
Most a lender would advanceEST Capped at 75.0% loan to value, not by the rent | £97,500 |
Deposit neededEST Before stamp duty, legals and refurbishment. | −£32,500 |
- Gross yield is annual rent over total cash in, before management, voids and maintenance.
- Net figures assume 25% of rent goes on running costs — agent, voids, repairs, insurance.
- Yield is unleveraged. The borrowing line below is what a lender would advance, not a repayment plan.
This is one sum out of a whole deal
Inside the app the same engines run against real HM Land Registry sold prices, rank your buyers against the deal, and tell you what to do next — with the workings attached to every figure, exactly as they are here.
The demo runs on invented deals and real postcodes. No account, nothing saved.
Questions
Why is your yield lower than the one I saw elsewhere?
Because most yield calculators divide rent by the purchase price. This divides by everything you actually spent to own it, including stamp duty and refurbishment. It is a smaller number and a truer one.
Is there a mortgage in this?
No. This is the unleveraged yield, which is the figure that tells you whether the asset works. Leverage changes your return, not the property's.
Next
How much of your capital comes back out on refinance, and how much stays trapped in the deal.
Net yield on a house in multiple occupation, with the heavier operating costs an HMO actually carries.
Stamp Duty Land Tax on a purchase in England or Northern Ireland, band by band, including the additional-property surcharge.