Financial wellness tool
Stress-test rent, finance costs, reserves, and cash flow before a property deal becomes a commitment.
Create an account after purchasing a guide to save scenarios, revisit progress, and unlock enhanced tool modes.
Create accountThis calculator is designed for quick deal screening. Enter the purchase price, expected rent, finance amount, interest rate, operating cost assumptions, and insurance cost. The tool updates immediately so you can see how a change in rent, mortgage rate, or reserve assumptions affects the deal.
Gross yield is the annual rent divided by purchase price. Net yield goes further by subtracting the monthly interest-only mortgage payment, management fee, maintenance reserve, and insurance before comparing annual profit with the purchase price. Cash-on-cash return compares annual profit with the cash you have left in the deal after mortgage finance.
The output is not financial advice and does not include taxes, vacancy periods, legal costs, purchase fees, refurbishments, or local regulation. Use it as a thinking tool before doing deeper due diligence with conservative assumptions.