Monthly cash-flow calculator

Estimate whether a rental property is making or losing money each month after mortgage payments, running costs, vacancy and compliance allowances.

Monthly cash-flow inputs

Property income

£
£

Mortgage

Mortgage type
£
%

Running costs

Letting agent fee
%
£
£
£
£
£
Maintenance allowance
A common starting point is 5-10% of monthly rent, adjusted for the property's age and condition.
%

Compliance and vacancy

£
£
yrs
£
yrs
weeks

Tax estimate

Cash-flow result

Needs inputs
Enter the rental property figures, then calculate.

Monthly cash flow, cost ratios and warnings will appear here.

Cash flow first

Rent is tested against mortgage, running costs, compliance allowances and vacancy.

Realistic monthly costs

Annual or multi-year costs are spread into a monthly allowance.

Built-in warnings

The calculator flags missing allowances and high mortgage pressure.

Monthly Cash Flow Calculator UK | Landlord Cashflow Tool | UK Landlord Tools | Bellsoph