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Life + Investing Simulator

Dashboard Simulator Deal Calculator Example Deals Market Deals Portfolio

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Saved Deal Cards

Free plan: save 1 deal card.

No saved cards yet. Click Save Deal Card to keep one here for next time.

Deal Calculator

Quick single-deal check for properties you’ve found online. Nothing is added to your simulator.

1) Purchase & Finance

Start with price, rent, and mortgage assumptions.

Purchase price (£)

The property asking price or agreed purchase price.

Monthly rent (£)

Expected rent per month (before costs).

Deposit (%)

Typical buy-to-let deposits are often 20–30%.

Interest rate (%)

Your mortgage rate assumption (e.g. 5.5).

Mortgage term (years)

The length of the mortgage (e.g. 25 years).

Quick view

Deposit

£50,000.00

Mortgage

£150,000.00

Mortgage payment (pm)

£876.89

2) Monthly Costs

Costs reduce your net yield and monthly cashflow.

Management fee (%)

If an agent manages the property, fees are often 8–12% of rent.

Maintenance (monthly £)

A simple allowance for repairs (e.g. £50–£150).

Insurance (monthly £)

Buildings/landlord cover estimate per month.

Other costs (monthly £)

Service charge, ground rent, utilities, etc.

Cost summary

Management fee (pm)

£120.00

Total costs (ex mortgage)

£225.00

3) One-off Costs

These affect cash invested and cash-on-cash return.

Stamp duty (£)

Enter your estimate (varies by buyer type & bands).

Legal fees (£)

Solicitor and conveyancing costs.

Refurb / setup (£)

Furniture, paint, small upgrades, etc.

Upfront

Cash invested (deposit + fees)

£51,500.00

Premium tools

Growth context + stress testing for deals you find online.

Checking…

County growth context

Uses your built-in UK HPI county dataset to give a simple historic growth anchor. fileciteturn9file7

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County

Pick the county the property is in (used for historic price growth).

Property type

If you know it, pick a type segment. Otherwise keep ‘All’.

Build condition

If you’re unsure, leave blank. New builds can behave differently.

Growth anchor

🔒 Premium shows historic county growth here (helps set realistic expectations).

Historic growth is not a guarantee of future performance.

Stress test (cashflow resilience)

Quick “what-if” checks: interest rate up, rent down. Your base inputs stay the same.

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Interest rate increase

Add to your base interest rate

+0%+1.00%+4%

Rent drop

Reduce monthly rent

0%-10%30%

Rates +1.00%

Rate becomes 6.00%

£1,234.00

Unlock Premium to reveal

Rent -10%

Rent becomes £1,080.00

£1,234.00

Unlock Premium to reveal

Both applied

Rate up + rent down

£1,234.00

Unlock Premium to reveal

Summary

Monthly cashflow

£98.11

Net yield

5.85%

Cash invested

£51,500.00

Cashflow

Annual cashflow

£1,177.38

Returns

Gross yield

7.20%

Net yield

5.85%

Cash-on-cash

2.29%

Financing

Deposit

£50,000.00

Mortgage

£150,000.00

Mortgage payment (pm)

£876.89

Costs (ex mortgage, pm)

£225.00

Plain-English help

• Cashflow = rent − costs − mortgage. Positive means the deal pays you each month.
• Gross yield = (annual rent ÷ price). Ignores costs.
• Net yield = (annual rent − annual costs) ÷ price.
• Cash-on-cash = annual cashflow ÷ cash invested (deposit + fees).

Unlock Premium tools

Premium adds growth context, stress testing, PDF exports, and up to 5 saved deal cards.

✅Save up to 5 deal cards and delete/replace anytime (keeps the page clean).

✅Export PDF for each saved card (perfect for sharing or keeping records).

✅County growth context from our built-in UK HPI dataset (historic anchor).

✅Stress testing so you can see if the deal survives rate rises or rent drops.

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Free plan: save 1 card, no stress testing, no county growth context, no PDF export.