Landlord calculator
Landlord income tax calculator
Estimate income tax on UK rental profit for landlords. Uses current UK tax bands and the 20% mortgage interest tax credit for residential landlords.
Total rent received before expenses
Insurance, maintenance, agent fees, etc. (not mortgage interest)
Used to calculate the 20% tax credit
Employment, pension, or other income in the tax year
Rental profit
£9,000
Mortgage interest tax credit (20%)
£800
Estimated income tax
£0
Uses UK income tax bands and the 20% mortgage interest tax credit for residential landlords. Personal allowance may be reduced if total income exceeds £100,000. This is an estimate only — your actual liability depends on your full tax position.
How this calculator works
Enter your annual rental income, allowable expenses, mortgage interest paid, and other taxable income. The calculator estimates your rental profit, applies UK income tax bands, and accounts for the mortgage interest tax credit.
Before you use this tool
Landlords pay income tax on rental profit — rental income minus allowable expenses. Mortgage interest is no longer fully deductible; instead, you receive a 20% tax credit on interest payments.
This calculator is for general information only and does not constitute legal, tax, or financial advice. Rules and rates can change — always check the latest guidance from HMRC, the Department for Communities, or a qualified adviser before acting.
Related guides
Learn more about the rules behind this calculator.
Frequently asked questions
Common questions about landlord income tax calculator.
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