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True Yield
Analyzer.

Most yield calculators show you gross yield and call it a day. This one doesn't. Enter your deal, see the real numbers after stamp duty, management fees, maintenance, void periods, and every other cost that eats into your return.

Property Details

Running Costs

calculate

Enter your numbers and hit Analyze

Why most yield
calculators lie.

01

Gross ≠ Net

A property showing 7% gross yield often drops to 3-4% after real costs. That's the difference between a profitable investment and a liability.

02

Stamp Duty Hurts

On a £350k buy-to-let, stamp duty alone is £15,000+. That's a cost most online calculators completely ignore — but your bank account won't.

03

Voids Are Real

The average UK rental has 3-4 weeks vacant per year between tenants. That's 6-8% of your income gone before any other cost.

"A 7% gross yield on a £350k flat with £1,500/month rent sounds great. After stamp duty, management, maintenance, insurance, and voids — you're at 3.8% net. Before tax. This tool shows you the number that actually matters."

What's Included

UK Stamp Duty (SDLT) [Auto-calculated]
3% BTL Surcharge [If additional property]
2% Non-Resident Surcharge [If overseas buyer]
Management Fees [% of rent]
Annual Maintenance [Fixed amount]
Building Insurance [Annual]
Void Periods [% of year vacant]
Ground Rent + Service Charge [Leaseholds only]
Mortgage Interest [Annual interest cost only]

Building property tools? Let's talk.

This tool was built as a demonstration of real-world AI product delivery. If you need property tech, fintech, or AI systems that actually work — I ship.

A free tool by Settley

AI-powered property tools · settley.co