What it means
This shows whether a buy-to-let property leaves you cash each month after the mortgage and running costs.
Investing
Buy to let cash flow calculator
Whether a let leaves you cash each month after costs.
Why it matters
A property can look fine on yield and still lose money each month once voids and bills are included.
When to use it
Use it before you buy an investment, or when reviewing an existing rental against rising costs or rate changes.
How to read the result
Positive monthly cash flow means rent covers the bills in this model. Tax on rental income is not included.
Your figures
More assumptions
Methodology
Rules checked against published sources as of 2025-04-01.
- Effective rent deducts void weeks from headline rent.
- Cash flow is effective rent minus mortgage and the operating costs you enter.
- Gross and net yield use purchase price as the denominator.
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FAQs
Is tax included?
No. Personal tax on rental income is not modelled. Speak to a tax adviser for your position.