Rental Property Yield

Live result on the frontend

The Rental Property Yield calculator answers the first question of any buy-to-let: does the rent pay for the property? It combines price, mortgage, running costs, tax and vacancy into the yields investors compare and the cash you actually keep each month.

What it calculates

A visitor enters the purchase price, deposit, mortgage rate and term, monthly rent, monthly costs, yearly property tax and a vacancy allowance. The calculator returns:

• Mortgage payment — the monthly repayment of a standard amortising loan on the price minus the deposit.
• Gross and net yield — yearly rent over price, and net operating income (rent minus vacancy, costs and tax) over price, also known as the cap rate.
• Monthly cash flow — net operating income minus the mortgage, per month, flagged as positive or negative.
• Cash-on-cash return — the yearly cash flow as a percentage of the deposit paid in cash.
• Where the rent goes — a stacked bar splitting the yearly rent into vacancy, costs, tax, mortgage and what is left for the owner, plus a gauge that places the net yield in a low, fair, good or excellent band.

How it’s built

Eight Number fields feed the PHP Code, which computes the amortisation payment (L*r / (1 - (1+r)^-n), with a zero-rate fallback), the yearly income statement and the three returns.

The stacked bar is plain HTML and CSS built in a PHP loop: each slice gets a width in percent and the finished markup is returned in a variable that the Exit Layout prints with ##stack##. If the cash flow is negative the green slice is dropped and the note explains the monthly top-up.

The input form as your visitors see it, styled with the Form Layout.

Eight Number fields with sensible defaults, so the calculator shows a realistic result on first load.

The PHP Code: mortgage payment, operating income, the three yields and the markup for the stacked bar and gauge.

The Exit Layout: three hero cards, five metric cards, the rent breakdown bar and the yield-band gauge.