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UK Rental Profit Estimator
Free AI-powered estimator for UK landlord taxable rental profit. Enter your rent and main costs and see a clear calculation including the Section 24 basic-rate tax credit on mortgage interest.
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Get a quick estimate of your annual taxable rental profit, including Section 24 treatment of mortgage interest.
e.g. £24k rent, £9k mortgage interest, £1.2k repairs, £1.8k agent fees
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Frequently asked questions
- How is UK rental profit calculated for individuals?
- Taxable rental profit equals total rents received minus allowable revenue expenses such as letting fees, repairs, insurance, ground rent and accountancy. Mortgage interest is NOT deducted as an expense; instead, a 20% tax credit is applied to your overall tax bill.
- How does Section 24 affect the calculation?
- Section 24 restricts mortgage interest relief for individual landlords to the basic rate (20%). Higher and additional-rate taxpayers therefore pay more tax under the post-2020 rules than they would have under the old full-deduction system.
- Does this estimator account for limited companies?
- No — Ltd companies (SPVs) pay corporation tax on full profit after deducting mortgage interest. This tool models individual / partnership rental income. For a side-by-side comparison, take the free Tax Health Check.
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