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Using our Buy-to-Let Earnings Calculator

What is the Buy-to-Let Earnings Calculator?

The Buy-to-Let Earnings Calculator is GetGround's free online tool that lets property investors compare potential earnings from buy-to-let properties held through a limited company against personal ownership. Use it to understand the tax and financial implications of each ownership structure before making an investment decision. 

How do I use the calculator?

How do I use the calculator?

  1. Access the Tool: Navigate to the Buy-to-Let Earnings Calculator.

  2. Input Property Details: Enter relevant information such as property price, expected rental income, mortgage details, and other financial parameters.

  3. Compare Scenarios: The calculator will display a side-by-side comparison of potential earnings under both ownership structures.

What information do I need to provide?

You’ll need to input:

  • Property Purchase Price: The cost of the property you are considering.

  • Expected Rental Income: Monthly or annual rental income you anticipate.

  • Mortgage Details: Loan amount, interest rate, and term.

  • Ownership Structure: Indicate whether you are purchasing personally or through a limited company.

  • Additional Costs: Any other expenses associated with the property.

Why compare limited company vs. personal ownership?

Different ownership structures have varying tax implications:

  • Limited Company: May offer tax efficiencies, especially for higher-rate taxpayers, as profits are subject to corporation tax, and mortgage interest is fully deductible.

  • Personal Ownership: Profits are taxed based on personal income tax rates, and mortgage interest relief is restricted.

Using the calculator helps determine which structure aligns better with your financial goals.

Is the calculator’s output definitive?

No. The calculator provides estimates based on the figures you enter and is designed for illustrative purposes only. It does not constitute financial or tax advice. For personalised guidance, book a free consultation with a GetGround property consultant, who can review your specific circumstances in detail.

Can I save or share the results?

Yes, after completing the calculation, you have the option to:

  • Download: Save the results as a PDF for future reference.

  • Email: Send the results to your email address.

  • Consultation: Book a free consultation with a GetGround property consultant to discuss the findings in detail.