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Buy-to-Let Yield Calculator: Is a Rental Property Worth It?

Golden key on a house blueprint — borrowing power guide

A rental property looks like a licence to print money until you subtract rates, insurance, maintenance, agent fees, vacancy and the tax treatment of it all. This calculator works from your actual purchase price and weekly rent to show gross yield, then strips out holding costs for the net picture — the number that actually decides whether your 'investment' is one. Run it before you fall for the 'positive cash flow' pitch.

⚡ Free instant check

yield + tax reality check

❓ Buy-to-let investment loan — FAQ

What is a good rental yield?

Gross yields of 5-8% are healthy in most markets; below 4% usually only works if you are betting hard on capital growth.

Should I include vacancy in my yield calculation?

Yes — assume 1-2 weeks empty a year minimum. Optimistic landlords run on full occupancy and get surprised.

Is negative gearing good or bad?

It reduces tax, but a loss-making property is still a loss. Yield calculators show cash reality; tax benefits are a consolation prize, not a strategy.

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