Why it exists
Buy-to-let decisions combine purchase taxes, operating costs, borrowing, income tax and a possible future sale. The calculator brings those moving parts into one place and shows how they affect cash flow and return on your own money.
Built for clarity
Plain-English guidance explains the figures without assuming property or finance expertise.
Assumptions stay visible
You can change the rent, costs, mortgage rate and individual forecast years.
Independent
No property is promoted and no mortgage or investment product is recommended.
Who built the model
The calculator was created by a UK-based finance professional with experience in financial modelling and investment appraisal. It applies familiar investment-analysis disciplines—visible assumptions, annual cash flow, debt repayment, IRR and sensitivity—to a decision that is often presented only as a headline rental yield.
The website is independent and is not affiliated with an estate agent, mortgage lender or investment provider.
Editorial approach
Calculations, guides and examples are prepared by Should I Buy to Let for education and initial scenario testing. The site separates user assumptions from sourced facts, shows the dates used for market data and labels illustrative examples rather than presenting them as real customer outcomes.
- Material tax, regulatory and market statements link to official or primary sources where practical.
- Guides display a review date and are revised when a relevant rule, source or methodology changes.
- Calculator assumptions and limitations are explained in the methodology and remain visible in the results.
- No testimonials, case studies or investment outcomes are invented.
- Corrections and unclear explanations can be reported to the contact address below.
What it is—and is not
It is an educational scenario tool for an initial sense-check. It is not a valuation, mortgage offer, tax return, financial recommendation or promise of future performance.
The figures are only as reliable as the assumptions entered. Before investing, confirm the property, finance, legal and tax position with appropriately qualified professionals.
Questions or feedback?
If something is unclear, you spot a problem or you have an idea that could improve the calculator, email contact@shouldibuytolet.com.
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