Resource 5 of 5

Rental Property Net Income Calculator

What is your property actually producing after costs? Enter your figures and see your net income, net yield and monthly cash position — with a clear breakdown of what is and is not included.

£

Income

Used to calculate yield. Leave at 0 if not needed.

£
£

Average UK void period is 2–3 weeks per year.

weeks/yr
−

Costs

Interest-only or repayment. Enter 0 if unencumbered.

£

Typically 8–15% for full management. Enter 0 if self-managing.

% of rent

A common rule of thumb is 10% of annual rent.

% of rent
£

Gas Safety, EICR, smoke/CO alarms. Typically £200–£500/yr.

£

Accountancy, licensing fees, ground rent, service charge, etc.

£

Net annual income

£5,018

Net monthly

£418

Gross yield

5.8%

Net yield

2.0%

Breakdown

Gross annual rent
£14,400
Less: void allowance

2 weeks

−£46
Effective annual income
£14,354

Costs

Mortgage payments
−£7,200
Maintenance allowance
−£1,435
Insurance
−£400
Safety certificates
−£300
Total costs
−£9,335
Net annual income
£5,018

What this calculator does not include

Income tax on rental profits, capital gains tax, stamp duty, purchase costs, refurbishment costs, or mortgage arrangement fees. This is a cash-flow tool, not a tax calculation. Speak to an accountant for a full picture.

Part of the Free Landlord Compliance Check Kit

You have now completed all five resources.

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