Property cash flow calculator UK
Check whether a rental property produces real monthly cash flow.
Use YieldLens UK to estimate rental property cash flow after mortgage costs, service charge, ground rent, insurance, maintenance, management fees, void periods, and other monthly costs.
Indicative decision-support only. Not a formal valuation or financial advice.
Property cash flow calculator
Enter the rental property numbers
Use monthly rent and regular costs to estimate whether the property produces real cash flow after mortgage cost, service charge, ground rent, management, maintenance, and void allowance.
This calculator does not store these cash flow inputs. It is an indicative property screen, not financial advice.
Cash flow verdict
Enter rent and costs
Add monthly rent and known costs to estimate property cash flow.
Monthly cash flow
Not available
Monthly rent minus mortgage and known regular costs.
Annual cash flow
Not available
Estimated monthly cash flow multiplied by 12.
Gross yield
Not available
Annual rent as a percentage of purchase price.
Cash flow margin
Not available
Monthly cash flow as a percentage of monthly rent.
Rent needed to make the numbers work
Break-even rent
Not available
Estimated rent needed to cover current fixed and variable costs.
£200 buffer rent
Not available
Estimated rent needed for roughly £200 monthly cash flow.
£300 buffer rent
Not available
Estimated rent needed for roughly £300 monthly cash flow.
These figures adjust for variable costs such as management fees and void allowance, so they are more useful than simply adding the cash flow shortfall to the rent.
Monthly cost breakdown
Risk flags
- Monthly rent is needed before cash flow can be estimated.
- Purchase price is missing, so gross yield cannot be calculated.
- Mortgage cost is missing. Add it if the property is financed.
- Service charge and ground rent are missing or set to zero.
Why cash flow matters
A property can have a decent yield and still be a weak cash flow deal.
Cash flow shows whether the rent leaves a real monthly surplus after regular costs. It is the practical reality check behind the headline yield.
Rent is not profit
Mortgage cost, service charge, ground rent, repairs, management, and voids can remove much of the rental income.
Thin buffers are fragile
A property with £20 monthly cash flow can become negative after one repair, higher rates, a service charge increase, or a void period.
Void periods matter
Empty months are easy to ignore in a quick yield calculation, but they can materially change annual returns.
Risk flags
Common cash flow problems the calculator can expose.
FAQ
Property cash flow calculator questions
What is a property cash flow calculator?
A property cash flow calculator estimates rental income after regular property costs. YieldLens UK includes mortgage cost, service charge, ground rent, insurance, maintenance, management fees, void allowance, and other entered costs.
Is cash flow different from rental yield?
Yes. Rental yield compares annual rent with purchase price. Cash flow estimates whether rent leaves money after regular monthly costs.
Why include a void allowance?
A void allowance helps account for months where the property is empty and no rent is received. Ignoring void periods can make a deal look stronger than it is.
Is this financial advice?
No. YieldLens UK provides indicative decision-support only. It is not financial advice, mortgage advice, tax advice, legal advice, or a formal valuation.