Buy-to-Let Cashflow Calculator
Model monthly cashflow after mortgage interest, vacancy allowance, management fees, and insurance. See NOI, DSCR, and cash-on-cash return in one view.
Enter property and finance details
Cashflow, NOI, DSCR, and CoC will appear here.
Frequently asked questions
What is NOI (net operating income)?
NOI is the rent collected after vacancy allowance, management fees, and insurance, but before mortgage interest. It measures how much the property earns from operations alone, independent of how it's financed.
What DSCR do lenders require for buy-to-let?
Most UK buy-to-let lenders require a debt service coverage ratio (DSCR) of at least 1.25, meaning rental income covers mortgage interest with a 25% margin. Some lenders require higher ratios for higher-rate taxpayers or limited company borrowers.
Why is the mortgage modelled as interest-only?
Most UK buy-to-let mortgages are interest-only, since landlords typically plan to repay the capital by selling or refinancing rather than through monthly amortisation. This keeps the monthly cost model consistent with how BTL lending is actually structured.
What's a healthy monthly cashflow target?
There's no universal figure, but many investors look for at least £100–200 of positive monthly cashflow per property after all costs, as a buffer against void periods, repairs, and rate changes.