Property Calculators
Our free UK property calculators help buyers, sellers, landlords, and tenants make sense of the numbers involved in the UK housing market. All tools reflect current Stamp Duty Land Tax (SDLT) rates and standard mortgage affordability criteria used by UK lenders.
From first-time buyers working out whether they can afford a mortgage, to landlords calculating gross and net rental yield, to tenants checking whether a rent is within their budget — these calculators provide quick, reliable estimates based on the actual figures lenders and letting agents use.
- ✓Calculate Stamp Duty Land Tax (SDLT) for standard and additional property purchases
- ✓Estimate mortgage affordability based on salary and deposit
- ✓Work out gross and net rental yield for buy-to-let properties
- ✓Check rent affordability against your take-home income
All Property Calculators
UK Stamp Duty Calculator 2025 — SDLT Land Tax
Find out exactly how much stamp duty land tax (SDLT) you will pay on any residential property or land purchase in England. Updated for April 2025 SDLT rates. Covers standard purchases, first-time buyer relief, second home surcharge, and buy-to-let properties. Stamp duty is calculated in bands — this calculator applies the correct rate to each portion automatically, so any UK resident can quickly work out their total SDLT liability before making an offer.
PopularWales Land Transaction Tax Calculator 2026 — LTT
Calculate how much Land Transaction Tax (LTT) you will pay on any property purchase in Wales. Covers standard residential purchases, additional properties (buy-to-let and second homes), and non-residential or mixed-use transactions. Updated for the December 2024 higher residential rate changes. Wales LTT is administered by the Welsh Revenue Authority — not HMRC — and uses different rates and thresholds to England's stamp duty.
UK Mortgage Affordability Calculator — How Much Can I Borrow?
Free mortgage calculator UK — use this calculator to work out how much you can borrow based on your salary and deposit. This mortgage affordability calculator uk uses the standard 4–4.5x income multiple UK mortgage lenders apply. Includes a mortgage repayment calculator for regular monthly payment estimates, interest only mortgage comparison, overpayment of mortgage calculator to model overpayments and remaining term reductions, and life insurance cost guidance. Also works as a mortgage calculator how much can i borrow tool for joint applications.
PopularMortgage Overpayment Calculator UK — See How Much You Save
Free mortgage overpayment calculator UK — enter your mortgage balance, interest rate, remaining term, and monthly overpayment to see exactly how much interest you save and how many years you knock off your mortgage. Supports both monthly overpayments and one-off lump sum payments. Includes an overpayment comparison table so you can instantly compare the savings from £100, £200, or £500 extra per month. Most UK lenders allow up to 10% of the outstanding balance overpaid each year without an early repayment charge — this calculator helps you model that benefit.
PopularRent Affordability Calculator
Find out what rent you can afford based on your salary and take-home pay. Uses UK rental affordability guidelines to show your maximum monthly rent budget and whether you pass the standard landlord income check.
Rental Yield Calculator
Free rental yield calculator for UK landlords and property investors. Calculate gross and net yield — including net initial yield — on any buy-to-let property. Works as a property yield calculator, a property investment calculator, and a buy to let calculator for comparing returns across properties. Enter your property value, monthly rent, mortgage payments, and annual costs to see cash flow and overall return. Essential for long term buy to let investments due diligence.