Rent in
How much do you keep?
Landlord Tax Check shows what your rent really leaves you after tax, how the mortgage interest rule affects the numbers, which tax cliffs your rent pushes you over, and what changes if you split ownership, use a company or sell.
Your numbers stay on your device. Nothing you type into the tool is uploaded.
Rent comes in. How much of it do you keep after costs, mortgage interest and tax?
Mortgage interest is not taken off rental profit like other costs, so the same rent can leave a different amount for different people. Other income decides which tax rate your rent lands in.
Change the salary, rent and costs to see where the rent goes. Mortgage interest, several properties, HMOs, ownership splits, a company and selling are in the full tool. Rules for 2026/27. Nothing you move here leaves your device.
What you get
Tax on every property
Houses and HMOs let by the room, with agent fees, bills, repairs and licences. See profit, tax and cash left, property by property.
The mortgage interest rule
See how much extra tax you pay because interest is no longer deducted from rent, and how that changes from April 2027.
The cliffs your rent touches
See if rent pushes you into higher-rate tax, the Child Benefit charge, the £100,000 cliff or the additional rate.
Who owns it
Compare the household tax bill at every ownership split between you and a partner, and see how the bill changes at each split.
Company or personal
For a property a company buys new, compare what you keep after corporation tax and dividend tax with owning personally.
Selling
Estimate the capital gains tax and the cash left after costs and mortgage if you sell, including the 60-day reporting deadline.
See inside
Screenshots use example figures. You enter your own.
Who it is for
Landlords in England, Wales and Northern Ireland with 1 or more residential properties, including HMOs, owned alone or with a partner.
Not for Scottish taxpayers. Not covered: losses carried forward, capital allowances, stamp duty, Rent a Room relief, holiday lets run as a business, inheritance tax and student loan repayments on rent. The company comparison covers a property a company buys new, and capital gains assume each owner has their full annual allowance. Property tax is complicated, so check with an accountant before acting.
How accurate is it? It uses the UK tax rules published up to the date shown in the tool, checked against official sources and separate calculations. No calculator is 100% accurate, rules can change at a Budget, and results depend on the figures you enter. It is general information, not advice.
Reviews
Reviews are from verified purchases of the tool.
Get access
Your access covers the tax year you buy in, up to 5 April, using that year’s rules, including any Budget updates. When it ends, buy again for the next tax year to get the whole year with the new rules applied. Your numbers stay on your device, so save a backup file before access ends. Immediate access after payment.
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