Buy‑to‑Let Yield (UK) + After‑Tax Cashflow (Section 24)

Inputs

Property price (£)

Monthly rent (£)

Monthly running costs (£)

Voids/maintenance buffer (% of rent)

Mortgage balance (£)

Interest rate (%) (interest‑only assumption)

Income tax band (for rental profit)

Apply Section 24 model?

Disclaimer: this is a simplified educational model. Real tax depends on your full situation, allowable expenses, accounting basis, and legislation.

Results (annual)

Gross yield

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Net yield (before tax)

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Rental income

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Costs + buffer

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Mortgage interest

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Estimated tax on rent

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After‑tax cashflow

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How the after‑tax model works (Section 24 simplified)

We compute annual rent and subtract running costs and a voids buffer.
With Section 24: we compute tax on profit before mortgage interest, then apply a 20% tax credit on mortgage interest.
After‑tax cashflow = rent − costs − interest − tax.

This is intentionally conservative and transparent, not “optimised”.