UK property & money calculators that actually add up
Clear, accurate, mobile-friendly calculators for UK property investors and savers — built with real landlord expertise and checked against gov.uk. No sign-up, no gated results.
Investor favourites
The pages where our hands-on UK property experience goes deepest.
BRR (Buy-Refurbish-Refinance)
Work out money left in, post-refinance cash flow and ROI on a UK BRR (Buy-Refurbish-Refinance) deal. Includes the 5% SDLT surcharge and refinance pull-out.
Property · ExpertBuy-to-Let Profit (Section 24)
See your real buy-to-let profit after Section 24. Compares the 20% mortgage-interest tax credit against the old full-deduction method to show exactly what S24 costs you.
Property · ExpertRental Yield
Calculate gross and net rental yield on a UK buy-to-let. Includes running costs so you see the real return, not just the headline number agents quote.
Property · ExpertRemortgage Savings
Compare your current mortgage with a new deal. See the monthly and lifetime saving after fees, and how long it takes to break even on remortgage costs.
Money · ExpertInvestment Comparison
Compare buy-to-let against a Stocks & Shares ISA, index fund, cash ISA, savings and bonds over your amount and timeframe - with UK tax built in (Section 24, CGT, dividend tax).
Property · ExpertProperty Value Estimator (GDV)
Estimate a UK property's value or GDV from comparable sales. Enter 3-5 comps (price + floor area) to get the average price per sqm and apply it to your property's size.
Property · ExpertHMO Refurb Cost
Estimate the cost of converting or refurbishing a UK HMO line by line - fire doors, interlinked alarms and emergency lighting to HMO standard, en-suites and extra bathrooms - with a contingency and cost per m².
Property · ExpertLease Option
Work out the monthly cash flow, built-in equity and total profit on a UK lease option agreement - control and profit from a property under an option to buy at a price fixed today.
BRR (Buy-Refurbish-Refinance)
Work out money left in, post-refinance cash flow and ROI on a UK BRR (Buy-Refurbish-Refinance) deal. Includes the 5% SDLT surcharge and refinance pull-out.
Property · ExpertBuy-to-Let Profit (Section 24)
See your real buy-to-let profit after Section 24. Compares the 20% mortgage-interest tax credit against the old full-deduction method to show exactly what S24 costs you.
Property · ExpertRental Yield
Calculate gross and net rental yield on a UK buy-to-let. Includes running costs so you see the real return, not just the headline number agents quote.
Property · ExpertRemortgage Savings
Compare your current mortgage with a new deal. See the monthly and lifetime saving after fees, and how long it takes to break even on remortgage costs.
PropertyMortgage Repayment
Work out your monthly UK mortgage repayment, total interest and total cost. Compare repayment vs interest-only and see how the term and rate change your payment.
PropertyStamp Duty (SDLT)
Calculate Stamp Duty Land Tax (England & NI) for 2026: standard rates, first-time buyer relief and the 5% additional-property surcharge. Figures verified against gov.uk.
PropertyMortgage Affordability
Estimate how much you could borrow for a UK mortgage based on income and an income-multiple, and see the likely monthly payment and total purchase budget with your deposit.
PropertyLoan-to-Value (LTV)
Calculate your loan-to-value ratio from property value and deposit or loan amount. See which LTV band you fall into and why it affects your mortgage rate.
PropertyCapital Gains Tax (Property)
Estimate Capital Gains Tax when you sell a UK rental or second property: 18%/24% residential rates, the 3,000 annual exempt amount and your remaining basic-rate band.
PropertyBuy vs Rent
Compare the monthly cost of buying versus renting in the UK, and see the total cost over your chosen period including mortgage, rent inflation and buying costs.
PropertyMortgage Overpayment
See how overpaying your mortgage cuts interest and clears it sooner - works for repayment and interest-only mortgages. Add a monthly overpayment, a lump sum, or both.
PropertyCommercial Stamp Duty (SDLT)
Calculate SDLT on commercial and mixed-use property in England & NI: the 0/2/5% non-residential bands plus SDLT on new-lease rent (NPV). No residential surcharges.
Property · ExpertProperty Value Estimator (GDV)
Estimate a UK property's value or GDV from comparable sales. Enter 3-5 comps (price + floor area) to get the average price per sqm and apply it to your property's size.
PropertyRefurbishment Cost
Estimate a UK property refurbishment cost line by line - strip out, rewire, plastering, kitchen, bathroom, flooring, driveway, patio, garden - with a 10% contingency and cost per m².
Property · ExpertHMO Refurb Cost
Estimate the cost of converting or refurbishing a UK HMO line by line - fire doors, interlinked alarms and emergency lighting to HMO standard, en-suites and extra bathrooms - with a contingency and cost per m².
Property · ExpertLease Option
Work out the monthly cash flow, built-in equity and total profit on a UK lease option agreement - control and profit from a property under an option to buy at a price fixed today.
PropertyBuy-to-Let ROI
Work out the real return on your buy-to-let: cash-on-cash ROI on the deposit and costs you actually invest, after mortgage interest and Section 24 tax.
PropertyFlip Profit
Work out the profit, return on cost and margin on a UK buy-refurbish-sell flip, including Stamp Duty, refurb contingency, holding finance and selling costs.
PropertySkip Estimator
Estimate how many skips a refurb will need and the cost, based on floor area, the depth of the works and the skip size you hire.
PropertyVoid Period
See how empty weeks between tenancies cut your rental income and real yield. Enter the rent, void weeks and costs to get your effective figures.
PropertySnagging Checklist
A free, printable snagging checklist for UK property refurbishments - tick off kitchen, bathroom, electrics, heating, doors, external works and certificates before final payment.
Compound Interest
See how your savings grow with compound interest. Add a lump sum and monthly contributions, choose the rate and term, and view total interest earned.
MoneyISA
Project tax-free growth in a Stocks & Shares or Cash ISA. Stay within the 20,000 annual allowance and see how much your ISA could be worth over time.
MoneyIndex Fund Growth
Project long-term index fund growth with monthly investing. Factor in the platform/fund fee to see the real after-cost value of your portfolio.
MoneyLoan Repayment
Calculate monthly repayments on a personal or car loan from the amount, APR and term. See the total interest and total cost over the life of the loan.
MoneySavings Goal
Find out how much to save each month to hit a target by a set date, allowing for interest on your savings and any amount you have already put aside.
MoneyPension
Estimate your pension pot at retirement from current savings and monthly contributions, including employer contributions and expected investment growth.
MoneySalary / Take-Home Pay
Work out your 2026/27 take-home pay after Income Tax, National Insurance, pension and student loan. England, Wales & NI bands, verified against gov.uk.
MoneyCredit Card Payoff
See how long it takes to clear a UK credit card and the total interest, based on your balance, APR and monthly payment. Shows the cost of paying only the minimum.
MoneyInflation
See how inflation erodes the value of money over time. Find what a sum will be worth in today's money, and what today's costs might be in future.
MoneyEmergency Fund / FIRE
Work out the emergency fund you need from your monthly expenses, plus your FIRE number using the 4% rule. Two essentials for UK financial independence planning.
Money · ExpertInvestment Comparison
Compare buy-to-let against a Stocks & Shares ISA, index fund, cash ISA, savings and bonds over your amount and timeframe - with UK tax built in (Section 24, CGT, dividend tax).
BrickCrunch provides general information and estimates only — not financial, tax or legal advice. UK figures are checked against gov.uk (21 June 2026 (2026/27 tax year)) but rates change; always verify before acting.