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Using our Buy-to-Let Earnings Calculator

What is the Buy-to-Let Earnings Calculator?

The Buy-to-Let Earnings Calculator is an online tool provided by GetGround that allows investors to compare potential earnings from buy-to-let properties when purchased through a limited company versus personal ownership. It helps in understanding the financial implications of different ownership structures, especially concerning tax efficiencies. 

How do I use the calculator?

To use the calculator:

  1. Access the Tool: Navigate to the Buy-to-Let Earnings Calculator.

  2. Input Property Details: Enter relevant information such as property price, expected rental income, mortgage details, and other financial parameters.

  3. Compare Scenarios: The calculator will display a side-by-side comparison of potential earnings under both ownership structures.

What information do I need to provide?

You’ll need to input:

  • Property Purchase Price: The cost of the property you’re considering.

  • Expected Rental Income: Monthly or annual rental income you anticipate.

  • Mortgage Details: Loan amount, interest rate, and term.

  • Ownership Structure: Indicate whether you’re purchasing personally or through a limited company.

  • Additional Costs: Any other expenses associated with the property.

Why compare limited company vs. personal ownership?

Different ownership structures have varying tax implications:

  • Limited Company: May offer tax efficiencies, especially for higher-rate taxpayers, as profits are subject to corporation tax, and mortgage interest is fully deductible.

  • Personal Ownership: Profits are taxed based on personal income tax rates, and mortgage interest relief is restricted.

Using the calculator helps determine which structure aligns better with your financial goals.

Is the calculator’s output definitive?

No, the calculator provides estimates based on the information you input. It’s designed for illustrative purposes and should not be considered financial advice. For personalized guidance, it’s recommended to consult with a financial advisor or tax professional.

Can I save or share the results?

Yes, after completing the calculation, you have the option to:

  • Download: Save the results as a PDF for future reference.

  • Email: Send the results to your email address.

  • Consultation: Book a free consultation with a GetGround property consultant to discuss the findings in detail.