Property Yield Calculator
This calculator shows you the true return on a rental property — not just the headline rent, but what’s left after management fees, maintenance, insurance, and mortgage costs. A clearer picture in under a minute.
Purchase details
Property value *?The current market value or purchase price of the property.
Please enter the property value.
Monthly rent *?The gross monthly rental income you expect to receive from tenants.
Please enter the monthly rent.
Other purchase costs ?One-off costs when buying: notary fees, transfer taxes, legal fees, survey costs etc.
Vacancy rate ?Estimated % of the year the property will be empty. Typically 4–8% for most markets.
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Annual running costs
Property management fee ?Fee paid to a letting agent or manager. Typically 8–15% of annual rent.
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Maintenance & repairs ?Annual upkeep budget. A common rule of thumb is 1–2% of property value per year.
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Service charge ?Annual charge for shared building services. Common in apartment buildings.
Insurance ?Annual landlord insurance covering building structure and liability.
Other annual costs ?Any other recurring costs — accountancy, licensing, compliance etc.
Mortgage
Monthly mortgage payment ?Total monthly repayment including capital and interest.
Mortgage amount ?Outstanding loan balance. Used to calculate equity and cash-on-cash return.
Results
Gross yield ?Annual rent divided by property value. A quick snapshot before costs.
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Before all costs
Net yield ?Annual rent minus running costs, divided by property value.
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After running costs
Cash-on-cash ?Net cash flow after mortgage divided by your equity invested.
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After mortgage
Annual rental income
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Net operating profit
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Before mortgage
Annual mortgage cost
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Cash flow after mortgage
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Total purchase cost
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Total annual costs
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Capitalisation rate ?Net income divided by total purchase cost. Also called cap rate.
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This calculator is for indicative purposes only and should not be relied upon as financial or investment advice. Results are estimates based on the figures you provide. Always consult a qualified professional before making investment decisions.
