Advanced Buy-to-Let Mortgage Calculator 2025
Analyze the profitability and cash flow of a rental property investment.
Property & Loan
Income & Expenses (Monthly)
Estimated Net Monthly Cash Flow
$0
Rental Yield
0.00%
(Gross)
Return on Investment (ROI)
0.00%
(Cash on Cash)
Income vs. Expenses Breakdown
Buy-to-Let FAQ
What is Rental Yield?
Gross Rental Yield is a quick measure of a property's income-generating potential. It's calculated before expenses. The formula is:
(Annual Rental Income / Property Value) × 100.
A higher yield generally indicates a better return from rent alone.
What is Net Cash Flow?
Net cash flow is your profit or loss each month after all expenses are paid. The calculation is:
Monthly Rent - (Mortgage Payment + Management Fees + Maintenance + Insurance + Other Costs).
A positive cash flow means the property is generating more income than it costs to run.
What is Return on Investment (ROI)?
Specifically, this calculator uses the Cash-on-Cash Return, a popular metric in real estate. It measures the annual pre-tax cash flow relative to the total cash invested (your deposit). The formula is:
(Annual Net Cash Flow / Total Cash Invested) × 100.
This tells you the return you're getting specifically on the money you put down.