Calculator
Property Deal Analyser: ROI & Cashflow
Stress-test a buy-to-let before you offer: monthly cashflow, cash-on-cash return, net yield and how the deal holds up if rates rise.
Deal Analyser
Full buy-to-let return & stress test
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These figures are estimates for guidance only and are not financial, tax, mortgage or investment advice. Always do your own research and speak to a qualified adviser, broker or accountant before acting on any deal.
This is the full picture a careful investor or lender would run. Enter the price, deposit, mortgage rate and costs and you'll see monthly and annual cashflow, your cash-on-cash ROI (annual profit as a percentage of the cash you put in), gross and net yield, and a built-in +2% rate stress test. A deal that only works at today's rate isn't a deal — it's a bet, so watch the stressed figure.
Need the buying costs first? Use the Stamp Duty calculator, and the Rental Yield calculator for an unleveraged comparison.
Frequently asked questions
What is cash-on-cash return?
It is your annual net cashflow divided by the total cash you invested (deposit, buying costs and refurb), shown as a percentage. It tells you how hard your invested money is working each year.
Why stress-test at a higher interest rate?
Mortgage rates move. Testing the deal at roughly 2% above your assumed rate shows whether it still cashflows if borrowing gets more expensive — a quick way to avoid a deal that only works today.
Is rental income taxed?
Yes — rental profit is taxable and mortgage interest relief for individuals is restricted to a basic-rate tax credit. This calculator shows pre-tax cashflow; speak to an accountant about your position.