How it works
buy to let calculadora — the short version
We built Buy-to-Let calculadora because the other tools for this job either cost a subscription or came with a consent banner the size of a small novel.
Lenders model this scenario with the same tools — no reason you should be in the dark. Think of the next 12 months in whole pounds or reais, not percentages — then run the sums and the rest of this page explains what the answer means.
Model a UK buy-to-let including stamp duty surcharge, mortgage, rental income, running costs and cash-on-cash return.
A worked example, step by step
Consider a realistic scenario and follow it through:
Model a UK buy-to-let including stamp duty surcharge, mortgage, rental income, running costs and cash-on-cash return.
Scenarios where Buy-to-Let calculadora pays off
Buy-to-Let calculadora is aimed at people arriving with questions like these:
- "Buy to let calculadora UK"
- "Btl stamp duty"
- "Landlord tax calculadora"
- "What is buy to let"
- "How to calculate buy to let"
- "Buy to let formula"
When it isn't the right tool
Every tool has an edge where it stops being the right answer. Buy-to-Let calculadora is no exception:
- For legally binding tax or medical decisions — cross-check with HMRC, NHS or a qualified professional.
- For very large or very small extremes the rounding error outgrows the useful precision.
- When the underlying rate or threshold has changed since the page was last reviewed — always verify with the primary source.
- When the input you have is already a derived figure (net of something) — feeding it in as "gross" will double-subtract.
Five things that trip everyone up
Every time you run the sums for a new scenario, one of these creeps in — it's worth knowing them ahead of time.
- Mixing up units — grams in one field, ounces in another, then wondering why the answer is off.
- Treating a percentage as a whole number. 20% means 0.20 in the maths, not 20.
- Rounding at every step. Keep four decimals internally and only round the final number.
- Using last year's thresholds. If the page isn't dated, assume it's stale and check GOV.UK.
- Reading a tool like this as advice. It is maths, not a decision — the decision is still yours.
The sources behind the numbers
Where the maths needs an external authority, we cross-check against:
- HMRC
- GOV.UK
- Propertymark
Works well alongside
If this question keeps coming up for you, the same cluster of tools usually comes next:
- Rental Yield calculadora — Work out gross and net rental yield on a buy-to-let — including voids, service charge, agent fees and mortgage interest.
- Stamp Duty (Second Home) calculadora — Apply the UK 3% SDLT surcharge for second homes and buy-to-let purchases, with thresholds and relief explained clearly.
- Mortgage Repayment calculadora — Estimate your monthly UK mortgage repayment from loan amount, interest rate and term — with total interest paid over the life of the mortgage.
- Capital Gains Tax Estimator (UK) — Estimate CGT on shares, funds or other chargeable assets using the annual exempt amount and the correct rate band for your income — residential property uses different rates than other assets.
How we keep this accurate
Our calculadoras run on pure, unit-tested functions — the same logic lives in the browser and in the CI test suite. When tax rates, thresholds or official figures move, the update lands within 24 hours of the announcement. You can read the editorial policy and corrections policy.
Found an out-of-date number on Buy-to-Let calculadora or anywhere else in the Finance toolkit? Send it to the editorial desk and we'll patch it. Or browse the full calculadora directory for the next tool you need.