Buy-to-let calculator
Run a buy-to-let from purchase through ten years of letting
The buy-to-let calculator is built for property you buy to let. You enter the purchase, the rent, the running costs and the financing, and the calculator shows what the property yields per month and what the return becomes over the hold period, including capital repayment and capital growth.
Without an account the calculator opens with a filled-in example project: you can look at everything and move the sliders. BRIX Calc only asks for a free account once you enter figures of your own.
Try the numbers
Drag the figures and watch what happens
A simplified version of the calculator, right here on the page. You set the four figures that move the outcome most, and the answer appears in the same tiles you get in your dashboard. Every tile links through to an explanation of that metric.
Example: a family home to let
Buy, finance and rent out
This demo assumes 6.0% Stamp Duty, 3.0% purchase costs, 5.0% voids, 20.0% operating costs and a 20-year repayment mortgage. In the calculator you set all of those yourself, per loan part and per country.
All return figures on this page are calculated before tax; income, capital gains, or corporate tax is not included.
How it reads in your dashboard
Net cashflow per month
-£1,225
After operating costs, interest and repayment
Return and lendability
DSCR
0.51
LTV
93.2%
Gross yield
4.9%
On £414,200 total investment
NOI
£15,504
Rent after voids and operating costs
What it costs per year
- Voids£1,020
- Operating costs£3,876
- Interest and repayment£30,206
- Shortfall£14,702
What you enter
Purchase and acquisition costs
Purchase price, the purchase tax for your market (SDLT, LBTT or LTT) including the additional-property surcharge, conveyancing, survey and the Land Registry fee, plus any work needed before the first tenant moves in.
Rent and voids
Rent per unit or per sq ft, the void allowance you expect and the annual rent indexation.
Running costs
Maintenance, insurance, service charge, letting and management fees, ground rent, council tax during voids and other levies, each with its own indexation.
Financing and horizon
Mortgage type, rate, LTV, term and fixed-rate period, plus the capital growth you expect over the years you model.
What you get back
Gross yield, net yield and NOI
Gross and net initial yield and net operating income: the base the other metrics lean on.
Cash flow per month and per year
What actually remains after interest, capital repayment and every cost line. Including when that is negative.
DSCR and ICR
Whether the rent carries the debt service, in the two ratios lenders look at, interest cover included.
Cash-on-cash and break-even occupancy
The return on the cash you actually put in, and the occupancy rate at which the property breaks even.
Rental and capital return over 10 years
Rental income and capital growth side by side, with indexation of rent, costs and taxes.
Project IRR, equity IRR and equity multiple
Return over time, with and without financing, plus how many times you earn your cash back.
Who it is for
For private and professional landlords buying rental property who want to know whether it still performs after every cost and the financing. It also works for putting two properties next to each other before you make an offer.