Property Investment
Buy to Let Calculator
Analyze rental property investment — yield, cash flow, and return on investment.
Purchase Costs
Property Price
$
Purchase price of the property
Purchase Costs
$
Stamp duty, legal fees, surveys, etc.
Renovation Costs
$
Initial repairs and renovations
Financing
Loan Amount
$
Total mortgage/loan amount (can be 0 if cash purchase)
Interest Rate
%
Annual mortgage interest rate
Loan Term
years
Mortgage repayment term
Income & Expenses
Monthly Rent
$
Monthly rent received from tenants
Monthly Expenses
$
Property management, insurance, maintenance, etc.
Vacancy Rate
%
Estimated vacancy rate between tenants
Annual Appreciation
%
Expected annual property value growth
Yield
0%
Net Yield
0%
annual return on property
Annual Cash Flow
$0
Gross Yield
0%
Total ROI
0%
Monthly Mortgage Payment
$0
📊 Detailed Breakdown
| Category | Monthly | Annual | % of Rent |
|---|
How the formula works
Gross Yield = (Annual Rent ÷ Property Price) × 100 | Net Yield = (Annual Cash Flow ÷ Total Investment) × 100
- Total Investment = Property Price + Purchase Costs + Renovation Costs
- Annual Rent = Monthly Rent × 12 × (1 − Vacancy Rate / 100)
- Mortgage Payment = Standard mortgage amortization formula
- Net Cash Flow = Annual Rent − Annual Expenses − Mortgage Payments
- Gross Yield = (Annual Rent ÷ Property Price) × 100
- Net Yield = (Net Cash Flow ÷ Total Investment) × 100
- Total ROI = ((Property Value Appreciation + Net Cash Flow × Years) ÷ Total Investment) × 100
- Analysis is based on a 10-year holding period