Clive at Work
UK property calculator

Landlord profit, tax, yield and company switch calculator

Compare annual after-tax cash profit from a buy-to-let held in your personal name versus a limited company, then weigh that against bank interest on the same cash tied up in the property and estimate how long it may take to recover the cost of switching structures.

Default values: The starting figures on this page use broad UK-average inputs where suitable, plus generic planning placeholders where no true national average exists. They are not based on any visitor’s personal circumstances.
Tax year
View

Property inputs

Most visible fields below are prefilled with broad UK-average figures so no one should infer anything personal from the numbers.
£
Broad UK full-time earnings default
£
£
Rounded national-planning placeholder
£
Mortgage basis
Based on a broad current UK mortgage-rate placeholder
£
Representative 25-year repayment-mode placeholder
£
Leasehold-style planning placeholder
£
Leasehold-style planning placeholder
£
Reduces collectible rent
%
£
£
£
£
Managing agent fee
Broad UK managed-landlord planning placeholder
%
Maintenance cost
Broad UK landlord planning placeholder
%

Cash and switch inputs

Where no clean national average exists, the starting figures below are generic modelling placeholders rather than personal values.
Automatically calculated as property value minus mortgage balance
£0
%
Generic historical placeholder for switch modelling
£
Generic friction-cost placeholder
£
Accountant + legal + company setup placeholder
£
Crude estimate only
England / NI higher-rate basis
Company mode: how much profit is extracted as dividends?
100%
100% shows money in your hand. Lower values leave some profit inside the company.
Headline result

£0

Estimated annual after-tax cash profit in personal mode
Before tax
£0
Net yield
0.00%

Core outputs

Personal ownership

Limited company

Switching personal ownership into a company

Estimated CGT breakdown

Estimated SDLT breakdown

Read this before relying on the result The switching analysis is deliberately broad-brush. In real life, the biggest swing factors are whether reliefs apply, how lenders handle a transfer, whether profits are retained or extracted, and whether you own one property or a genuine property business. Use this page to frame the decision, not to replace bespoke legal and tax advice.

Explicit assumptions used by this page

Research points referenced in the model