Rental cash flow calculator UK
Estimate monthly and annual rental cash flow after mortgage payments and other costs. Separate cash left over from taxable rental profit and tax deductions.
Enter your figures
Monthly rental cash flow
Inputs changed. Select Calculate result to update your estimate.
Cash flow before tax. Mortgage capital repayments affect cash flow but are not a tax-deductible expense. This tool does not calculate rental Income Tax or finance-cost relief.
How the rental cash flow calculator uk works
Monthly cash flow = rent − mortgage payment − other costs. Annual illustration = monthly cash flow × 12.
Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.
Read about data coverage and updates
Worked example: rental cash flow
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Monthly rental income (£)
- 1,000
- Monthly mortgage payment (£)
- 650
- Other monthly costs (£)
- 150
Monthly rental cash flow: £200.00
Monthly cash flow = rent − mortgage payment − other costs. Annual illustration = monthly cash flow × 12.
Rental cash flow: questions answered
Is rental cash flow the same as taxable rental profit?
No. Mortgage capital repayments reduce cash flow but are not deductible rental expenses for tax. This tool does not calculate rental Income Tax or residential finance-cost relief.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
Explore all 205 UK calculators