Property ROI Calculator 2025
Calculate your return on investment for buy-to-let properties. Analyze cash-on-cash returns and total returns including capital appreciation.
Calculate Your ROI
Enter your property investment details to calculate returns
Property Investment Details
Enter property purchase price
Your cash deposit
Stamp duty, legal fees, etc.
Initial renovation/improvement costs
Annual Income & Expenses
Expected annual rental income
Mortgage, insurance, maintenance, etc.
Capital Appreciation (Optional)
Expected annual property value growth
How long you plan to hold the property
Important Notes
- •Cash-on-cash return = (Annual cash flow ÷ Total cash invested) × 100
- •Total ROI includes both rental income and capital appreciation over the holding period
- •Consider void periods and unexpected maintenance costs in your planning
- •Property values can fluctuate - use conservative appreciation estimates
- •Tax implications (income tax, capital gains tax) are not included in these calculations
- •ROI is calculated on your cash invested (deposit + costs), not the property value - this shows your true return
Disclaimer: This calculator provides educational estimates only and does not constitute investment advice. Actual ROI varies based on property performance, market conditions, rental income, expenses, and capital appreciation.
Past performance does not guarantee future returns. All calculations use typical UK property investment scenarios. For personalized investment advice, consult an FCA-authorized financial advisor.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED ON IT. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME TYPES OF BUY TO LET OR COMMERCIAL MORTGAGES.
Frequently Asked Questions
Common questions about property investment ROI
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