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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.

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Your estimate

Monthly rental cash flow

£200.00
Annual cash flow before tax£2,400.00
Monthly outgoings£800.00

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.

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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.

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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.

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