MTD-ready spreadsheet
Rental Property ROI & Yield Calculator
Work out whether a buy-to-let actually pays before you commit.
Secure checkout by Paddle · instant download · VAT handled for you · 14-day money-back guarantee
Enter the purchase price, deposit, rent and running costs. You get gross and net yield, monthly cash flow, cash-on-cash return, and the total cash needed to complete.
- Section 24 mortgage-interest treatment built in — the thing most calculators ignore
- Interest-rate stress test — see what happens when your rate rises
- Full cost picture: voids, management, insurance, maintenance, service charges
- Compare a deal against your own required return
- Works in Excel, Google Sheets and Numbers
Made by Fableworks HQ. Designed and built by us using spreadsheet tools with AI assistance, and every calculation is human-checked and unit-tested.
Secure checkout by Paddle · instant download · VAT handled for you · 14-day money-back guarantee
A look inside — worked example
| Deal figures | Result |
|---|---|
| Purchase price | £180,000 |
| Monthly rent | £1,050 |
| Gross yield | 7.0% |
| Net yield (after costs) | 5.2% |
| Monthly cash flow | +£164 |
| Cash-on-cash return | 3.9% |
Illustrative buy-to-let example with Section 24 and a rate stress test applied. Change any input and every figure recalculates.
Questions before you buy
What exactly do I get, and how?
One spreadsheet file, downloaded the instant your payment clears (Paddle also emails you a secure link). It opens in Excel, Google Sheets and Numbers. No account, no subscription and nothing to install.
Can I edit it, or is it locked?
Nothing is locked or password-protected. Every formula is visible and editable — change the rent, rate or costs, add rows, model your own deals. It's yours to keep.
Does it handle the Section 24 mortgage-interest rules?
Yes. Mortgage interest is treated as a basic-rate tax reducer, not a deduction, which is the change most simple yield calculators miss. There's also a stress test so you can see what a rate rise does to your cash flow.
Is this tax or investment advice?
No. It's an estimate and planning tool, not tax, investment or financial advice. Always confirm your own position with GOV.UK or your accountant.
What if it's not right for me?
There's a 14-day money-back guarantee. If it isn't useful, email us within 14 days for a full refund.
Secure checkout by Paddle · instant download · VAT handled for you · 14-day money-back guarantee