Tax calculator · 2026/27 rates
Section 24 mortgage interest relief
See how finance costs affect your tax bill as an individual landlord. Put in a few figures to get an estimate you can talk through.
How this calculator helps
This free UK landlord calculator gives a first-pass estimate and highlights the figures that can affect your decision.
Guidance and assumptions
Finance costs for individual landlords are generally considered as a basic-rate tax reduction rather than a deduction from rental income. Your wider income, ownership structure and losses can change the result.
Rates and thresholds can change between tax years. Keep a record of the figures and date you checked them.